20世纪中期以后，随着金融市场的高速发展，金融结构越来越复杂，金融创新日新月异，金融机构的种类、数量和业务规模都不断发展。各国对消费者保护的呼声愈来愈强，消费者保护逐渐被纳入到金融监管目标体系中，作为一项重要的监管内容。%After the middle of the 20th century, with the rapid development of financial market, financial structure is more and more complex, financial innovation changes with each passing day, the types, quantities and business scales of financing institution are constantly developing. The voice of various countries for the consumers is more and more strong. Consumer protection is gradually covered in the target system of the financial regulatory, and it is seemed as an important regulatory content.
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