随着金融市场的开放与发展,金融改革创新不断推进,金融产品从过去单一的存取款,转向支付、理财、融资、投资等全面发展,金融消费的范围与内容不断扩展,成为影响我国经济长期健康发展的重要因素和国家金融体系不可或缺的组成部分。在此背景下,由于消费者对金融产品设计、收益模式和风险程度不了解,其交易安全权、知情权、公平交易权和金融隐私权等屡遭 With the opening-up and development of financial markets, the financial reform and innovation continue to advance. The financial products have seen an all-round development from single deposit and withdrawal in the past to payment, wealth management, financing and investment. The scope and content of financial consumption have been expanding continuously, An Important Factor for Long-term Healthy Development and an Indispensable Part of the National Financial System. In this context, due to consumers do not understand the financial product design, revenue model and the degree of risk, its trading security, information rights, fair trade rights and financial privacy, etc.