随着金融消费从单一的银行存取款不断向支付、理财、融资、投资等一体化交易延伸的同时,金融消费者的权益侵害问题日益突出。当前存在的权益侵害问题主要有三个方面。一是现有《消费者权益保护法》以及一系列法律法规对于约束金融产品和金融服务的提供者、保护金融消费者,都没有明确的条款,金融消费者权益保护“无法可依”。二 As the financial consumer deposits and withdrawals from a single bank continue to extend to such integrated transactions as payment, wealth management, financing and investment, the rights and interests violations of financial consumers have become increasingly prominent. There are three main aspects to the current problems of rights infringement. First, the existing “Consumer Protection Law” as well as a series of laws and regulations for the restraint of financial products and financial services providers, the protection of financial consumers, there is no clear terms, the protection of financial consumer rights . two