认知偏误对金融消费者保护的影响——以零售金融产品为例  

Effect of Cognitive Biases on the Financial Consumers Interests——Based on Retail Financial Products

作　　者：赵煊[1] 

机构地区：[1]山东大学经济研究院

出　　处：《经济研究》2011年第S1期127-133,共7页Economic Research Journal

摘　　要：次贷危机的爆发,证明金融消费者保护已经成为金融体系能否健康持续发展的关键问题,因此,对于该项问题的研究具有深远的理论价值与现实意义。本文将选择零售金融市场为切入点,根据我国零售金融产品市场供求双方的互动特征以及消费者的认知偏误,构建理论模型,分析现有交易模式下,可能对金融消费者权益造成损害的潜在原因,力争为金融消费者保护实践提供理论依据,并起到推动作用。The outbreak of the Subprime Crisis proves that the Protection for Financial Consumer has become the key issues of sustainable development of the financial system. Therefore,the research on these problems is of great theoretical-value and practical significance. In this paper,we focus on the reality of retail financial market. Through constructing a theoretical model based on the interactive features of both supply and demand,we analyze potential causes of damage to the consumers' interests under the current trading patterns in order to provide the theoretical basis for Financial Consumer Protection.

关 键 词：金融消费者保护 零售金融产品 模型分析 

分 类 号：D923.8[政治法律—民商法学] F831[政治法律—法学]