金融消费者概念的法律定性及规范价值

The Legal Qualification and Norm Value of the Concept of Financial Consumer

金融消费者概念的全面确立在理论和实践中遭遇到"投资领域没有金融消费者"、"证券法的投资者保护规范已经足够"等困境。需要突破传统商法理论的局限性,承认"投资者"因杂糅了机构投资者、投资专家等商主体和消费者等非商主体而性质模糊。并且需要突破证券法投资者保护传统理论与制度的局限性,注意到金融消费者概念与保护规范的形成在于经营者与消费者的信息不对称和交易力量悬殊这两个问题的叠加出现,二者在逻辑起点、行为规制对象、规制内容三个方面与投资者保护规范存在本质区别。金融消费者统一概念的缺失是金融司法及金融监管相关实践遭遇诸多困境的根源所在,构建金融消费者保护规范体系,应当在"金融消费者"的统合概念之下,遵循统一的立法原则和规范框架进行。

It is a misreading of commercial law that'Investment is a special field with no financial consumer'.The investment activities of ordinary individual exhibit the nature of consumption.Financial consumer is a certain concept corresponding to financial goods and services supplier as operator,which presents natures of economic law concepts.This concept has jumped out of the frame of'commercial'or'non-commercial',and focus on society's overall interests.Financial consumer is such a theoretical concept that can clearly define the boundary of consumer protection rules in financial legislations.It can also lead to the establishment of consumer protection system in financial fields.