In recent years, the importance of giving specific protection to the financial consumers has been widely recognized, which has been extensively discussed. However, few persons analyze the necessity of the concept of financial consumers. And protecting the rights and interests of financial consumers is the most important motivation to establish the concept of financial consumers. But such purpose can be achieved by means of integrating and amending the law in the field of consumer protection and finance. Therefore, it is unnecessary to establish the concept of financial consumers. In fact, it is unhelpful to the protecting of financial traders who are in a relatively under-priviledged position in the field of finance because of the limitation on the connotation of financial consumers. Hence, it is important to regard the protection of financial consumers as the legal idea instead of a concept.