论金融消费者保护的“横向适度”与“纵向适度”

加强对金融消费者的保护是对国际金融危机的主要反思结论，怛同时又要警惕保护过度和保护失度对金融机构、金融消费者自身、金融行业所带来的负面影响。在进行金融消费者保护的具体制度设计时必须把握好保护的“度”，做到横向适度与纵向适度。金融消费者保护的横向适度就是要实现全面一般保护与特殊群体特殊保护之间的平衡，实行金融消费者保护的差异化，区别对待不同金融消费者。金融消费者保护的纵向适度就是要寻求加强金融消费者保护与推动金融创新之间的平衡，治理金融排斥与控制低端金融市场无序发展之间的平衡。

The Analysis on the Transverse and Longitudinal Moderate Limit of Financial Consumer Protection

To strengthen the protection of financial consumers is the main conclusion of the reflection on this international financial crisis, but we must pay attention to the negative effect of excessive protection on financial institutions, financial consumers and financial industry. In the design of financial consumer protection system we must have a good grasp of the “degree”, and try to achieve the target of transverse and longitudinal moderate. To achieve the transverse moderate target of financial consumer protection, the essence is to realize the balance between fully general protection and special groups protection, to implement the differential protection strategy; To achieve the longitudinal moderate target of consumer financial protection, the key lies in seeking the balance between strengthening financial consumer protection and financial innovation, the balance between the management of Financial Exclusion and controlling the equilibrium development of the low-end financial market.