金融消费者概念的司法界定与保护路径探究

发布时间：2018-03-19 01:08

本文选题：金融消费者　切入点：司法界定　出处：《上海金融》2015年03期 　论文类型：期刊论文

【摘要】：随着金融市场中金融产品与服务类型的多样化与涉众化,接受金融服务已经成为人们从事经济活动与日常生活的重要途径。金融消费者与金融机构之间的信息不对称、经济力量对比悬殊等现实问题的存在,使金融消费者的合法权益容易受到侵犯。目前,我国尚未出台针对金融消费者保护的专门立法,但法院已陆续受理了涉及金融消费者保护的诉讼案件。在立法尚未完善的前提下如何正确适用法律,准确界定金融消费者概念与范围,并合理保护金融消费者权益是目前司法实践中亟待破解的难题,值得加以探索和研究。
[Abstract]:With the diversification and diversification of financial products and services in financial markets, the acceptance of financial services has become an important way for people to engage in economic activities and daily life. The existence of such practical problems as the disparity of economic power makes the legitimate rights and interests of financial consumers vulnerable to encroachment. At present, China has not enacted any special legislation for the protection of financial consumers. However, the courts have accepted litigation cases involving the protection of financial consumers one after another. How to apply the law correctly and define accurately the concept and scope of financial consumers under the premise of imperfect legislation, And reasonably protecting the rights and interests of financial consumers is a difficult problem to be solved in the current judicial practice, which is worth exploring and studying.
【作者单位】：复旦大学法学院;
【分类号】：D923.8

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