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学界对于金融消费者的外延如何界定,尚无定论。本文通过论证金融消费者符合一般消费者的共性证明两者是母子概念,进而得出金融消费者应当是直接或间接为生活需要而消费的自然人。而随着金融领域消费者与投资者由分离走向融合,金融消费者和投资者的关系探讨就成为框定金融消费者外延和内涵的关键。从目前金融市场融合度以及“一行三会”的分业监管模式上看,金融消费者涵盖整个金融领域的金融服务接受者似乎不太可能,这就在一定时期内形成了与投资者并存的局面。但从交易弱者保护的弱者渐进性上看,金融消费者必将涵盖部分个人投资者,而成为一个更为宽泛的概念。
The academic community for the definition of how to define the financial consumer, there is no conclusion. This paper proves that the financial consumers conform to the generality of the consumers and proves that they are the mother-child concept, and then concludes that the financial consumers should be the natural persons consumed directly or indirectly for the needs of life. With the separation of consumers and investors in the financial sector, the discussion of the relationship between financial consumers and investors has become the key to defining the extension and content of financial consumers. From the current degree of financial market integration and “one line, three sessions ” of the sub-regulatory model point of view, financial consumers cover financial services recipients across the financial sector seems unlikely, which formed within a certain period of time and investors The coexistence of the situation. However, from the gradual perspective of the weak who are protected by the weak, the financial consumers will surely cover some individual investors and become a broader concept.