金融消费者是为生活需要购买、使用金融产品或接受金融服务的个体社会成员,在金融消费中享有安全权、真情知悉权、自由选择权等诸项权利。然而由于金融机构与金融消费者权利义务的不平等性,导致金融消费者的权益时常受到侵犯。因此,分析探讨如何保护金融消费者的权益有着重要现实意义和深远的历史意义。 Financial consumers are individual members of the society who need to purchase, use financial products or receive financial services for life, and enjoy the rights of security, truth knowing and freedom of choice in financial consumption. However, due to the unequal rights and obligations of financial institutions and financial consumers, the rights and interests of financial consumers are often violated. Therefore, analyzing and discussing how to protect the rights and interests of financial consumers has important practical significance and far-reaching historic significance.