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目前金融消费者处于弱势地位并面临与金融机构之间存在严重信息不对称等诸多困境,而保护金融消费者的合法权益对于稳定金融市场秩序和健全金融市场体系显得尤为重要。通过界定金融消费行为、识别金融消费者、对金融消费者权益侵害行为进行分类以及辨析各项司法保护原则,选择适用平衡中观的金融消费者权益司法保护原则具备了坚实的学理基础。利益平衡司法保护原则不等同于对金融消费者实施绝对平等的司法保护,应在分层识别基础上确立金融消费者司法保护机制,并在原有制度框架内整合现有规范并提出更高要求,进而形成有效的金融消费者保护制度体系。
At present, financial consumers are in a disadvantageous position and face many difficulties such as serious information asymmetry with financial institutions. To protect the legitimate rights and interests of financial consumers is especially important for stabilizing financial market order and improving the financial market system. By defining the behavior of financial consumption, identifying financial consumers, classifying the rights and interests of financial consumers, and discriminating the principles of judicial protection, the principle of judicial protection for choosing the financial rights and interests of a balanced middle class has a solid theoretical foundation. Balance of Interests The principle of judicial protection is not equal to the absolute equality of the judicial protection of financial consumers. The mechanism of judicial protection of financial consumers should be established on the basis of stratified identification and the existing norms should be integrated and higher requirements established in the framework of the original system. Thus forming an effective financial consumer protection system.