金融消费者保护中的适当性制度分析  

Analysis on Appropriateness System in Financial Consumer Protection

作　　者：金涛[1,2] JIN Tao(Center for the Study of Commercial Law,Nanjing University,Nanjing,Jiangsu 211168)

机构地区：[1]南京大学商法研究中心,江苏南京210008 [2]江苏亿诚律师事务所,江苏南京210013

出　　处：《扬州大学学报（人文社会科学版）》2020年第6期85-92,共8页Journal of Yangzhou University(Humanities and Social Sciences Edition)

基　　金：国家社会科学基金一般项目“民法典编纂后的商事立法研究”(17BFX008)。

摘　　要：金融消费者是指在金融市场上以一定限额以下的自有资金购买金融产品或服务以满足自身生活需要的自然人。适当性制度是金融消费者保护的基本制度,我国金融消费者保护中的适当性制度立法层次低、规范不统一,影响了运用适当性制度实现金融消费者的一体保护。因而,须统合现行金融消费者保护中的适当性制度规范,通过立法建立统一的金融消费者保护的适当性制度,实现金融消费者的统一保护,并为金融消费纠纷案件提供裁判标准。Financial consumers refer to natural persons who purchase financial products or services with their own funds below a certain limit in the financial market to meet their own needs.The appropriateness system is the basic system of financial consumer protection.The legislative level of the appropriateness system in China financial consumer protection is low and the norms are not unified,making the appropriateness system unable to protect the financial consumers.Therefore,it is necessary to integrate the current appropriateness system of financial consumer protection,establish a unified appropriateness system of financial consumer protection through legislation,realize the unified protection of financial consumers,and provide adjudication standards for financial consumption disputes.

关 键 词：金融消费者 金融消费者保护 适当性制度 

分 类 号：D922.28[政治法律—经济法学]