金融消费者的法律界定

"金融消费者"具有"消费者"属性,仍符合消费者的三个基本特征:主体是个体自然人,行为是购买、使用金融机构的金融商品或接受金融服务;目的为非生产、交易的生活消费。金融消费和金融消费者内涵丰富,绝大多数具有投资性质的金融产品都可纳入金融消费范畴,但高风险、特别是需要市场准入门槛的产品除外,相关主体不应纳入金融消费者范畴进行倾斜保护。根据消费者权益保护的基本原理和实际需要,金融消费者的外延应包括潜在金融消费需求者和曾与金融机构有过业务关系的个人客户。

Legal Definition of Financial Consumers

With the attributes of consumers,financial consumers share the three main characteristics of common consumers,that is to say,the subject of individual natural person,buying or using financial goods or services from financial institutions and consumption object of living not of production or transaction.Due to the rich connotation of financial consumption and financial consumer,most financial products with investment nature can be incorporated in financial consumption,but with the exception of high-risk prod...