发达国家在上世纪末本世纪初的金融立法中已明确提出保护金融消费者的要求。我国在加速金融发展和开放的过程中必须注重金融消费者的保护,而目前我国相关立法和制度建设相对滞后。本文从金融消费者基本内涵的探讨开始,通过分析金融消费者保护的意义,介绍中等收入国家在保护金融消费者方面的经验教训,以期为构建中国金融消费者保护制度提供建设性意见。 Developed countries have explicitly put forward the requirements of protecting financial consumers in the financial legislation of the early part of this century in the last century. In the process of accelerating financial development and opening up, our country must pay attention to the protection of financial consumers. At present, the relative legislation and system construction in our country lags behind. Starting with the discussion of the basic connotation of financial consumers, this paper introduces the experiences of middle-income countries in protecting financial consumers by analyzing the significance of financial consumer protection so as to provide constructive suggestions for the construction of China’s financial consumer protection system.