金融消费者知情权保护的困境解析与出路探索

Exploration on the Problems of and Solutions to Protecting the Right to Know Enjoyed by Financial Consumers

知情权是金融消费者进行金融消费的前提,也是金融消费者实现其他权益的基础。但是,当今金融市场日益复杂化、专业化、多样化,存在严重的信息不对称现象,金融消费者在金融市场交易中处于弱势地位,其知情权经常受到各种侵害,由此引发了诸多金融机构侵犯金融消费者权益的事件。然而,目前我国在维护金融消费者知情权的法律保护方面存在着诸多缺陷,因此有必要借鉴发达国家的经验,进行相关金融立法、行政监管、司法救济等方面的改革,切实维护金融消费者权益。

The right to know is not only the premise of financial consumers＇ business activities, but also the basis of realizing financial consumers＇ other interests. However, there are serious information asymmetry problems resulting from the increasingly complicated, specified and diversified financial market, which trig gered many infringements of consumer rights and interests. However, due to the defects of law concerning the protection of consumers＇ right to know, the experiences of developed countries shall be learned to reform our fi nancial legislation, administrative supervision, legal aid and so on. Thus the rights and interests enjoyed by the financial consumers can be effectively guaranteed.