Do financial consumers include legal persons?

Financial consumers do not include legal persons. Most scholars believe that consumers only include natural persons, excluding legal persons and other organizations. Because the Consumer Law is an important law in the economic law, its essence is to maintain fair transactions and promote market development. Therefore, only when the status of the two parties to the transaction is obviously unequal due to the differences in strength and information acquisition channels can we give up the "equality between the two parties" in civil law, and the "military from the angle" is originally called "learning from the weak side". Obviously, legal persons are rarely in a weak position in traditional entity transactions, and it is understandable to exclude them from the ranks of consumers. Financial consumers are divided into two categories: one is consumers in traditional financial services, including depositors, policyholders and others who accept savings and insurance services from financial institutions in order to ensure the safety and appreciation of property or manage and control risks; The other is small and medium investors who buy new financial products such as funds or invest directly in the capital market. Although there is a profit motive, it is still qualitative with ordinary consumers because of serious information asymmetry and unequal status with financial institutions.

1. What responsibilities should an enterprise bear as a legal person?

The legal representative mainly bears civil liability, and the legal representative refers to the main person in charge who exercises civil rights and performs civil obligations on behalf of legal persons according to law.

1, bear civil liability for compensation due to business mistakes;

After a legal person assumes responsibility for a third party, it may claim compensation from the legal representative or other staff at fault.

2. The legal representative may bear the civil tort liability for the act of infringing the property of the unit alone or together with XXX;

3. Civil sanctions for illegal acts-fines and detention;

Legal basis: Civil Code of People's Republic of China (PRC).

Article 2 The Civil Law regulates the personal relations and property relations among natural persons, legal persons and unincorporated organizations as equal subjects.

Article 3 The personal rights, property rights and other lawful rights and interests of civil subjects are protected by law, and no organization or individual may infringe upon them.

Article 4 Civil subjects have equal legal status in civil activities.

Article 5 Civil subjects engaged in civil activities shall follow the principle of voluntariness and establish, change and terminate civil legal relations according to their own wishes.

Article 6 Civil subjects engaged in civil activities shall follow the principle of fairness and reasonably determine the rights and obligations of all parties.