金融消费者法律界定新论——以中国金融消费者特别保护机制的构建为视角

金融消费者的法律界定是构建金融消费者特别保护法律机制的逻辑起点.而要科学界定金融消费者,必须首先明确金融消费交易相对于普通消费交易的特殊性,以及由此决定的金融消费者相对于普通消费者在交易地位方面的特殊性,同时还有必要对消费者法律界定的通说和实践进行检讨.金融消费者的法律界定,应该以解决金融消费者在金融消费交易中"信息严重不对称与对信息的严重依赖并存"这一核心问题作为出发点和归宿,为此,应该确认法人和其他组织(金融企业法人与专业性的投资机构除外)的金融消费者地位,同时也不应再区分所谓的"生产消费"和"生活消费".

A New Study On the Legal Definition of Financial Consumers

Legal definition of financial consumers is the logical starting point to build special protective legal mechanisms of financial consumers.To determine a scientific definition,we have to be clear about the particularity of financial consumptive transactions compared to ordinary consumptive transactions firstly,and the particularity of financial consumers in aspect of transaction status compared to ordinary consumers as a result.Meanwhile,it's necessary to review the general versions as well as the practices ...