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投资者与金融消费者的关系问题在国际上存在不同的模式,在我国实际上并列于不同的金融领域,其经济基础和具体制度均存在一定差异。经济民主与直接金融的发展趋势决定了我国的投资人保护制度的特策,金融消费者制度在借鉴普通的消费者保护制度的同时,也为证券投资者保护提供了许多有益借鉴。直接金融与间接金融的互动关系,以及《中华人民共和国证券法》(以下简称《证券法》)修改过程中出现的“证券”范围之争,投资人保护模式之争等,都说明投资者与金融消费者的关系问题,远不是简单的语义学问题,而涉及我国金融市场结构问题,涉及未来金融法和金融监管的走向问题。我国应当借鉴国外经验,使两种制度走向融合,从而更好地完善我国的投资人保护制度和金融消费者制度。
There are different international models for the relationship between investors and financial consumers. In fact, our country is juxtaposed with different financial sectors. There are some differences in the economic basis and the specific system between investors and financial consumers. The trend of economic democracy and direct finance determines the special policy of China’s investor protection system. While referring to the common consumer protection system, the financial consumer system also provides many beneficial experiences for the protection of securities investors. The interaction between direct finance and indirect finance as well as the dispute over the scope of the “securities ” and the dispute over investor protection modes during the revision of the Securities Law of the People’s Republic of China (hereinafter referred to as the “Securities Law”) all illustrate that investment The relationship between financial consumers and consumers is far from a simple semantic problem, which involves the issue of financial market structure in our country and involves the future financial law and the trend of financial supervision. Our country should draw lessons from foreign experience, make the two systems converge, so as to better perfect our investor protection system and financial consumer system.