证券投资者纳入消费者法保护探讨

The Legal Research about Whether Security Investors can be Protected by Consumer Law

随着金融消费者问题研究的兴起,证券投资者是否可以被认定为金融消费者、纳入消费者法保护在学界存在一定的争议。消费者是非以盈利为目的而为消费行为的自然人,本质上是一种需要法律给予特殊保护的弱势群体。只有旨在获得孳息和自然增值收益,非职业、非商业目的的个人证券投资者才可以认定为消费者;应根据证券投资者不同的法律地位和交易目的对其进行分类,并采取不同的法律保护原则和方式。

As the study of financial consumer attracting more attention, whether investors can be identified as financial consumers and protected by the Consumer Law comes into controversy in academy. A consumer is a natural person who consumes with the purpose of nonprofit, and essentially is a kind of vulnerable groups who need special legal protection. Only individual investors with the purpose of getting fruits and natural appreciation, but not occupational and commercial purposes can be identified as consumers. We should identify investors according to different legal statuses and trading purposes, and protect them with different legal principles and methods.