摘要： 在当前以互联网金融为代表的金融混业不断加剧的背景下，笔者立足金融学等理论，为投资者身份嬗变提供理论依据，明确提出包含各类投资者在内的统一的金融消费者概念，将从金融机构购买金融商品或服务的自然人、法人或其他组织均界定为金融消费者，并将其分为专业金融消费者和一般金融消费者。专业投资机构和具有一定财力、专业能力和风险承受能力的主体是专业金融消费者，排除适用保护其他金融消费者的制度。应授权监管者依据市场情势变更调整专业金融消费者的认定标准，采用动态类型化的概念界定方式，实现对弱势消费者的倾斜保护和金融安全等金融法的价值目标。

关键词: 金融消费者概念, 互联网金融, 动态类型化

Abstract: Under the current background of mixed finance which is represented by Internet finance，the authorputs forward the concept of unified financial consumers including all kinds of investors，based on the financetheory and other theories，for providing theoretical basis to identity change of investors. The financial con-sumers are natural persons, legal persons or other organizations who buy financial products from financial in-stitutions. It can .be divided into professional financial consumers and the general financial consum-ers. Professional investment institutions and subjects who have certain financial resources，professional abili-ty，risk tolerance are defined as professional financial consumers，ruling out other applicable related finan-cial consumer protection system. According to the changes of market，the regulators should be authorized toadjust the professional standard of financial consumer and adopt dynamic typed definition method，in order torealize the values and goals of financial law, such as protecting the weakness consumers and maintaining thefinancial security.

Key words: Concept of Financial Consumer, Investor, Internet finance, Dynamic Typing