论文部分内容阅读
随着我国经济的快速发展和居民财富的不断积累与增长,城乡居民生活与金融服务的关系日趋紧密,金融消费日益成为我国国民经济中消费的重要组成部分。但现实中由于现有金融产品除了原生产品外,还有大量复杂的金融衍生产品,广大消费者认识和识别产品风险难度急剧增加。此外,金融商品的特殊性使金融市场具有明显的信息不对称问题,使得有部分金融消费者利益受损,这不仅打击了金融消费者对金融市场的信心,同时也扰乱了正常的金融市场秩序。因此,如何在维护金融市场稳定的同时,更好地保护金融消费者的权益是我们必须思考和解决的重要课题。
With the rapid economic development in our country and the continuous accumulation and growth of residents ’wealth, the relationship between urban and rural residents’ living and financial services has become increasingly close. Financial consumption has become an increasingly important part of the consumption in our national economy. However, in reality, due to the large amount of complex financial derivatives in addition to the primary products of the existing financial products, it is very difficult for consumers to recognize and identify the risks of products. In addition, the particularity of financial products makes financial markets have obvious problems of information asymmetry, which impairs the interests of some financial consumers. This not only disrupts the confidence of financial consumers in financial markets, but also disrupts the normal financial market order . Therefore, how to better protect the rights and interests of financial consumers while maintaining the stability of the financial market is an important issue that we must think about and solve.