我国金融消费者权益法律保护研究

Study on the Legal Protection of the Financial Interests in China

金融消费者作为金融交易的一极对于构建和谐、健康的金融市场有着举足轻重的作用。然而,金融消费者的权益时常被侵犯且普遍保护不周。无论从经济学、社会学还是法学角度进行分析,对金融消费者权益进行保护都具有正当性。对于金融消费者的权益应当进行倾斜和适度的法律保护,并且应针对我国本土语境,对农民、年轻人和西部金融消费者给予更大程度的倾斜保护,对处于金融市场中垄断地位的国有金融应赋予更多保护金融消费者权益保护的义务。在法律制度安排上,结合我国国情应做出一般与特殊相结合的制度安排。

As one of the financial transactions, financial consumers play an important role in building a harmonious and healthy financial market. However their financial interests are often violated and not protected properly. It is right to protect the financial interests of consumers when analyzed in a social, economical or legal way. We should strengthen the protection for financial consumers properly, extremely for farmer, young, and western consumers. For monopoly state-owned finance, they should be obliged to take the duty to protect the consumers, and this should be carried out according to our national conditions with a combination of general and special institutions.