近年来,随着金金融市场中的产品和服务日益丰富和复杂化,金融交易中的信息不对称问题也日益突出,金融机构侵害消费者权益的事件时有发生。从银行业领域来看,一是随着风险和权利意识的增强,商业银行通过设立格式合同的保护条款、风险转移条款,将银行业务中潜伏的本应由银行和消费者双方共同承担的风险完全转嫁给消费者;二是为在日益激烈的市场竞争中立于不败 In recent years, with the increasingly rich and complicated products and services in the gold financial market, the issue of information asymmetry in financial transactions has become increasingly prominent. The cases in which financial institutions infringe the rights and interests of consumers have taken place from time to time. From the perspective of the banking sector, firstly, as the sense of risk and rights are enhanced, commercial banks set the risk of the banking business hidden by both banks and consumers through the establishment of the terms of the format contract and risk transfer provisions Completely passed on to consumers; the second is to become invincible in the increasingly fierce market competition