欧盟金融消费者保护的立法及启示  

The Legislation for the Protection of European Unison Financial Consumers and the Enlightenment

作　　者：王雄飞[1] 

机构地区：[1]上海财经大学法学院,上海200433

出　　处：《上海金融》2009年第11期60-63,共4页Shanghai Finance

摘　　要：欧盟《金融工具市场指令》及其执行指令以信息的提供和获取为中心,从以下几个方面建构了保护金融消费者立法的主体框架:⑴客户分类规则与传统的"消费者"概念之间的关系;⑵信息的提供和获取义务,包括广告信息、向特定客户提供信息及"了解你的客户"三个方面。这些立法内容的详细分析对我国的金融法治建设、尤其是对上海国际金融中心建设在金融消费者保护方面的法治完善具有很强的启示和借鉴意义。MiFID and the implement directive construct the framework of the legislation for the protection of financial consumers in following aspects： （1）The relation between the rule of client classification and the notion of ＂ consumer＂; （2）The obligation of investment firms to provide information as well as to obtain information in advertising, customer-related aspects, and ＂know your customer＂ rule. Detailed analysis of the legislation will be helpful to the improvement of domestic financial legislation, especially to the financial consumer protection during the construction of Shanghai international financial center.

关 键 词：金融消费者 信息 保护 

分 类 号：F831[经济管理—金融学]