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消费者保护和金融教育可通过降低金融服务提供者与使用者之间的信息不对称,提升效率、透明度、市场竞争和零售金融市场可获得性。金融消费者参与金融活动的能力提高,会相应地促使金融服务提供者开拓和选择更符合市场需求的金融产品,提高企业核心竞争力,积极参与到国际竞争中去。这种良性互动会促进更多的消费者敢于和乐于参与到金融消费中,有了这样的信心支持和基础保障,金融市场繁荣的春天才会真正到来。世界上金融交易市场比较发达的国家和地区都将金融消费者教育看做是从源头上化解金融危机,促进金融市场发展的重要制度。我们有必要将金融消费者的受教育权及其保障制度作为专门议题展开理论研究和实践探索。
Consumer protection and financial education can improve efficiency, transparency, market competition and retail financial market access by reducing the information asymmetry between financial service providers and users. The increased capability of financial consumers to participate in financial activities will correspondingly prompt financial service providers to explore and select financial products that better meet market demand, enhance their core competitiveness and actively participate in international competition. This positive interaction will encourage more consumers to dare and be willing to participate in financial consumption. With such confidence and basic support, the spring of financial market prosperity will really come. The world’s most developed countries and regions in the financial transaction market regard financial consumer education as an important system that resolves the financial crisis from the source and promotes the development of financial markets. It is necessary for us to carry out theoretical research and practical exploration on the financial rights of educated consumers and their security systems as a special topic.