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很长时间以来,我国的监管机构对金融消费者和投资者的界定概念不一。从某些法律来看,一般金融消费者涉及到了我国所有的传统的金融业。但是对于消费者自身的条件来看,对金融业有很大的限制。在现实生活中,金融服务和金融商品具有很大的跨行业性,有些人认为消费者只要具备金融知识,有强大的承受能力,在此基础上接受某些金融服务,则都可以被称作是金融投资者。本文对域外法中的金融消费者进行了深入的研究,并讨论了我国目前对金融消费者的认识,在此基础上对金融消费者及其与金融投资者的关系界定因素进行了研究,希望以此促进人们对两者的认识,在金融投资过程中更好的进行把握。
For a long time, the regulatory bodies in our country have different definitions of financial consumers and investors. From some laws, the average financial consumer involves all the traditional financial industries in our country. However, the conditions for consumers themselves, the financial sector has great limitations. In real life, financial services and financial products are highly cross-sectoral. Some people think that as long as consumers have financial knowledge and strong affordability, some consumers may be referred to as certain financial services Is a financial investor. This article has carried on the thorough research to the financial consumer in the extraterritorial law, and discussed the present our country to the financial consumer’s cognition, on this basis has carried on the research to the financial consumer and its definitional relationship with the financial investor, hopes In order to promote people’s understanding of the two, the financial investment process better grasp.