论我国金融消费者的概念及其特权

我国传统的消费者概念应修正为:消费者是为个人消费而获得商品或服务的自然人,但是以生产、经营为直接目的而获得商品或消费的除外。金融消费者可定义为:为个人消费而购买、使用金融商品或接受金融服务的自然人,但是以生产、经营为直接目的而获得金融商品或接受金融消费的除外。金融消费者享有消费者所享有的全部特权,与其他普通消费者的特权相比较,其财产安全权、知情权与金融隐私权需要在立法中加以特殊的保护。

On the Concept and its Privileges of Financial Consumer in China

Our traditional concept of the consumer should be redefined as a natural person who buys goods or services for personal consumption rather than for direct production or operation.Hence,financial consumer can be defined as a natural person who buys or uses financial goods or attain financial services for personal consumption not for production or operation.Financial consumers have the whole particular rights that common consumers do.Besides,compared with the rights common consumers own,some privileges includ...