台湾地区“金融消费者保护法”适合度规则研究

Abstract

随着金融创新的不断发展，金融商品结构日益复杂，金融消费者越来越难以判断金融商品的风险。为了弥补金融消费者在专业知识以及信息获取方面的不足，适合度规则逐渐发展成为保护金融消费者的重要制度。但是当前我国大陆尚未能构建起健全的适合度规则体系，有关适合度规则的规定繁杂琐碎、标准混乱。相反，我国台湾地区以“金融消费者保护法”为中心构建起一套较为完善的适合度规则体系，明确了适合度规则的内涵、民事责任以及纠纷解决机制等，为金融消费者权益保护提供了重要的制度保障。因此，本文以台湾地区“金融消费者保护法”中的适合度规则为研究基础，分析其优势与不足，进而检讨我国大陆的适合度规则，并试图为我国大陆适合度规则的发展提...

With the continuous development of financial innovation, the structure of financial commodity is increasingly complex, and it is more and more difficult for financial consumers to judge the risks of financial products. In order to make up for financial consumers in the professional knowledge and information access deficiencies, the suitability rule gradually developed into an important system to p...