从监管模式谈金融消费者的范围

The Scope of Financial Consumer in the View of Regulation Mode

金融危机爆发以来,金融消费者权益保护受到广泛关注。我国学者对金融消费者概念进行了深入的探讨,大多数学者从消费者消费目的出发,对金融消费者概念做出界定。然而,金融消费者适用《消费者权益保护法》存在一定争议,因此,在对金融消费者进行理论探讨的同时应结合我国现有的金融监管体制及模式,在此基础上对金融消费者概念的适用范围做出界定。

Since the outbreak of the financial crisis,the financial consumer protection received extensive attention.Chinese scholars make in-depth discussion on the concept of financial consumers,most scholars make departure from the purpose of consumer spending,defined the concept of financial consumers.However,in financial consumers theoretical discussion should be read in conjunction with our existing financial regulatory system and mode,and on this basis to define the scope of application of the concept of financial consumers make.