我国现行《消费者权益保护法》只适用于一般消费领域，对金融领域的消费者权益保护存在适用障碍。行为法经济学关注通过法律规则的结构设计来消除市场主体行为偏差，并运用“法律除偏”手段平衡各方权益，为我国消费者法的立法完善提供了一种新的研究视角和思考进路。“,”The existing Law on the Protection of Consumers’Rights and Interests is only applicable to the general consumption, and is not applicable to the protection of consumers’ rights and interests in the financial sector. The behavioral approach to law and economics pays attention to eliminating the market main body behavior deviation via the structure design of the legal rules, and use“debiasing through law”to balance the rights and interests of related parties, which provides a new research perspective and idea for improving the legislation on consumers in China.