金融消费者权益的保护于上世纪末便出现在发达国家的相关立法中。美国提出的金融改革方案中中建议设独立的消费者金融保护局,更是将金融消费者保护提高到一个前所未有的高度。然理论界对“金融消费者”相关问题却鲜有深入探讨。 The protection of the rights and interests of financial consumers appeared in the relevant legislation of developed countries at the end of the last century. The proposed financial reform proposed by the United States proposes that an independent Consumer Financial Protection Agency be proposed to increase the protection of financial consumers to an unprecedented height. However, theorists have rarely discussed the relevant issues of “financial consumers.”