“金融消费者”概念检讨——基于理论与实践的双重坐标

发布时间：2018-05-14 11:09

本文选题：金融消费者 + 消费者法　；参考：《法学》2017年10期

【摘要】："金融消费者"概念随着金融领域产品和服务日益复杂化而被倡导和推崇,尤以学术界为甚,实务界也顺势紧随。以理论与实践双重坐标系检验,消费者法、金融业规范性文件、金融业发展与金融消费者概念创设等几者并不匹配。回归到解释论,金融领域消费者属于消费者的子概念,意欲另外创设一个特定的"金融消费者"概念似乎意义并不显著,忽视消费者法自身教义学体系,只会造成概念之间界限不清晰以及增加思维负担,对学术研究和制度发展无益。金融消费者在中国法体系内能且仅能被视为一种基于解释论而产生的笼统称谓。
[Abstract]:With the increasing complexity of financial products and services, the concept of "financial consumer" has been advocated and respected, especially in academic circles, and in practice. The double coordinate system test of theory and practice, consumer law, financial industry normative documents, financial industry development and financial consumer concept are not matched. Returning to the theory of interpretation, consumers in the financial field belong to the sub-concept of consumers, and the intention to create a specific concept of "financial consumers" does not seem significant, ignoring the doctrinal system of consumer law itself. It will only lead to unclear boundaries between concepts and increase the burden of thinking, which is not conducive to academic research and institutional development. Financial consumers can and can only be regarded as a general appellation based on interpretation theory in Chinese legal system.
【作者单位】：吉林大学法学院博士后流动站;中国社会科学院法学研究所;
【分类号】：D923.8

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