与金融机构进行的交易除了公司和机构外,大部分是个人交易者,他们的交易量在整个金融交易量中并不占多数,但他们在金融交易中因信息不对称可能发生许多争议,如果都将他们的行为视为商法行为,按商法调整时就可能忽视个体消费者的利益,按照商法效率优先的原则裁判争议实际上是有利于金融机构而或多或少损害个体交易者的利益的。有鉴于此,人们要求在金融交易中也要有实质上的公平,而不仅仅是形式上的公平。借鉴普通的消费者权益保护法对消费者的界定,凡是在金融交易中处于信息不对称的个人交易者都可列入消费者之列,对个人与金融机构的交易行为也应当有专门的法律加以调整,对不同的金融交易行为应实行分类监管。 Transactions with financial institutions, except companies and institutions, are mostly individual traders whose volume of transactions does not constitute a majority in the overall financial transaction but which may arise in the financial transaction as a result of asymmetric information. If All consider their actions as commercial law. When adjusted according to the Commercial Law, they may neglect the interests of individual consumers. In accordance with the principle that the commercial law gives priority to efficiency, the adjudication of disputes is actually beneficial to financial institutions and more or less damaging the interests of individual traders . In view of this, people are required to have substantive fairness in financial transactions, not just formal fairness. Drawing on the definition of consumers by the ordinary consumer rights protection law, any individual trader who has information asymmetry in financial transactions can be included in the list of consumers, and there should be a special law on the transactions between individuals and financial institutions To be adjusted, different types of financial transactions should be classified supervision.