从中行原油宝事件看投资者适当性制度  

On Investor Suitability System from the Case of BOC Crude Oil Treasure Incident

作　　者：江亚琪 JIANG Yaqi(School of Law,China Jiliang University Hangzhou,Zhejiang 310000)

机构地区：[1]中国计量大学法学院,浙江杭州310000

出　　处：《中国商论》2022年第7期70-72,共3页China Journal of Commerce

摘　　要：投资者适当性制度主要包括四个方面:了解客户、了解产品、客户与产品匹配和风险揭示。本文以2020年中国银行原油宝事件为基础,从投资者适当性制度这四个方面分析考量国内该项制度建设在实际中存在的问题和不足,并结合域外经验,对中国投资者适当性制度构建提出对策和建议,即了解客户要注重质量,了解产品更专业深入,客户与产品匹配更诚实有效,风险揭示要长期全面跟进。Investor suitability system mainly includes four aspects:understanding customers,understanding products,customer product matching and risk disclosure.Based on the crude oil treasure incident of Bank of China in 2020,this paper analyzes and considers the problems and deficiencies existing in the construction of domestic investor suitability system from these four aspects.Combined with foreign experience,this paper provides countermeasures and suggestions for the construction of Chinese investor suitability system.Specifically,we should pay attention to understanding customers better,understanding products more professionally and matching customers with products more honestly and effectively,and the risking disclosure should be followed up comprehensively.

关 键 词：石油期货 投资者适当性 风险匹配 

分 类 号：F832[经济管理—金融学]