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金融消费者是金融市场快速发展的产物,是消费者概念在金融领域的拓展。随着美国金融危机的爆发,人们聚焦金融消费者保护法律问题。本文从金融消费者基本概述出发,首先论述了金融消费者的保护的现实意义,其次借鉴了美国、日本等外国金融消费市场与金融消费者权益保护的经验,对完善我国金融消费者保护制度提出了立法建议。
Financial consumers are the product of the rapid development of financial markets and the expansion of consumer concepts in the financial field. With the outbreak of the financial crisis in the United States, people focused on the legal issues of financial consumer protection. Based on the basic overview of financial consumers, this paper first discusses the practical significance of financial consumer protection. Second, it draws on the experience of foreign financial consumer markets and the financial consumers’ rights protection in the United States and Japan, and puts forward the suggestions of perfecting China’s financial consumer protection system The legislative proposal.