| 摘要: |
| 后危机时代，发达国家都通过修改现行的法律加强对金融消费者的保护，“金融消费者”的概念已成为了世界各国的共识。而我国关于“金融消费者”的概念在法学界一直存在争议，法律上更未明确其定义，导致现实中金融消费者的权益受到侵害时无法得到法律的有效保护。在混业经营的大金融背景下，金融商品与服务的综合化使得证券投资者、存款人、保险人的身份具有了共同的性质，将存款人、保险人与证券投资者依据金融领域进行划分，以不同的立法对其进行保护已失去了实际的意义。因此，应借鉴发达国家对“金融消费者”的法律界定，结合我国实际，确定“金融消费者”法律概念，制定《金融消费者权益保护法》专门法，以有效保护金融消费者权益。 |
| 关键词: 金融消费者 消费者权益保护 混业经营 分业经营 金融产品与服务 金融投资者 |
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| Legal Definition of a “Financial Consumer” in Post-crisis Era and Its Legislation Suggestion |
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LI Jin-rong
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| Abstract: |
| Under the post-crisis era, developed countries through modifying existing laws strengthen the protection of financial consumers and the concept of a “financial consumer” has become the consensus of all countries, however, the concept of a “financial consumer” has been in dispute in legal field in China, the laws of China do not obviously define the concept, which result in ineffective protection of a financial consumer by laws when his or her rights are violated in reality. Under the big background of mixed financial operation, the syntheses of financial products and service make the securities investors, the identity of the depositor or the insured persons have a common nature and the depositors, insurers and securities investors are divided based on the simple division of the financial sector, and so the protection of the financial consumer by different legislations has lost its practical significance. Thus, the legal definition of the financial consumer should be learned from developed countries, legal concept of the “financial consumer” should be determined based on China’s reality, and Financial Consumer Right Protection Law should be issued to effectively protect the rights of financial consumers. |
| Key words: financial consumer consumer right protection mixed business operation by division of section financial products and service financial investor |
