金融消费者的法律定义

对金融消费者进行法律定义,应充分挖掘概念与制度之间的理论逻辑,根据制度内容来推导概念的内涵与外延。金融消费者概念的提出以及相关倾斜性保护制度的构建,是基于其与金融经营者之间实力不对等、信息不对称的理论预设。根据这一制度逻辑,顺应金融消费者保护的国际立法和监管趋势,并考虑我国国情,我国金融消费者应该是指已经、正在或正打算购买、接受金融机构提供的金融商品或服务的自然人、法人和其他组织,但专业投资者除外。

The Legal Definition of the Financial Consumer

For the purpose of defining the “financial consumer”, it is suggested to discover the theoreti-cal logic between the concept and the system , and then to deduct the connotation and denotation based on sys-tem content .The proposed definition of “financial consumer” and pertinent favorable protection system con-struction are based on the theoretical premise of “unequal strength and information asymmetry” between finan-cial consumers and financial operators .Therefore, conforming to the international legislation and supervision tendency of financial consumer protection , and with regard to our country ’ s actual situation , the financial con-sumer in China should be defined as “natural persons , legal persons and other organizations , except for pro-fessional investors , who have purchased or accepted , or are purchasing or accepting , or are going to purchase or to accept financial products and services provided by financial institutions”.