我國金融產品銷售法律規制研究－－以說明義務和適合性原則為中心

On the Legal Regulation of Promotion of Financial Products in China: As the Center of the Description Obligation and the Suitability Rule

金融商品和金融服務的創新發展催生了金融消費者主體的形成，而基於信息不對稱的金融業者和金融消費者之間的不公平交易關係，使得金融消費者的保衼門題日益成為金融法的核心和各國金融監管的重要目標。金融消費者保護的關鍵節點在於金融商品的銷售過程，以'推介行為'這一總體概括所有與金融商品有關的銷售行為的概念入手。

The development of financail products and ifnancial services spawned the formation of the financial consumers, and unfair trade relations based on information asymmetry in the financial sector and financial consumers, has been making the protection of financail consumers increasingly become the core of the financial law and national financial regulatory important goal. Key nodes of financail consumer protection is the process of financial products sales so we first discuss the 'financial promotion', as the overall concept to summarize all relevant financial products sales, then explore the rights and obligations between financial institutions and financial consumers in the aspects of the sales of financial products.