一、研究问题的提出当今社会金融活动已成为一国经济的重要组成部分,并且和普通民众的社会生活结合的日益紧密,随着金融商品数量极大丰富的同时,商品本身的复杂程度也逐渐提高,金融消费者与金融商品提供者之间的不平等地位使得金融消费者的权益经常在“无形间”受到侵犯,因此有关金融消费者权益的保护问题已引起各国立法机关、金融监管机关以及相关社会团体的普遍重视,尤其是在金融危 First, the research questions put forward Nowadays social financial activities have become an important part of a country’s economy, and the ordinary people’s social life and increasingly close, with the great abundance of financial products at the same time, the complexity of the commodity itself gradually Therefore, the protection of the rights and interests of financial consumers has caused the legislature of all countries, financial regulation Authorities and relevant social groups generally attach importance, especially in the financial crisis