金融消费者作为金融市场的消费主体,其权益保护的完善与否,不仅涉及的是金融消费者个体的权益,更关乎金融市场能否稳定、健康发展。当前我国在金融消费者权益保护方面的研究与实践存在法律缺陷、制度缺陷等不足,致使相关问题较为突出。如何构建一套适合我国国情的金融消费者保护体系,成为我国法制建设、金融改革的当务之急。 As the main consumer of financial market, the financial consumers’ protection of their rights and interests is not only related to the rights and interests of financial consumers, but also the stability and healthy development of financial markets. At present, there are legal deficiencies and system defects in the research and practice of protecting the rights and interests of financial consumers in our country, resulting in the prominent problems. How to construct a set of financial consumer protection system that is suitable for our national conditions has become the most urgent task for the legal system construction and financial reform in our country.