证券市场产品适当性管理现状与改进建议

The current situation and suggestion for suitability management of security market products

席卷全球的金融风暴从金融领域扩展到实体经济,从局部地区的金融机构扩展到数目众多的发达国家。究其根源,是大量投资者购买了与其风险承受能力不一致的复杂金融产品。为了维护金融安全,促进证券市场健康发展,加强证券市场产品适当性管理,需要采取加强投资者风险教育,引导投资者购买适合自己的投资产品等措施。

The global financial crisis has extended from the financial sector to the real economy, from the financial institutions in some regions to a variety of developed countries. The main reason is that a large number of investors bought the complex financial products beyond their risk-bearing capacity. In order to keeping financial market safe and sound, promoting the healthy development of security market, and enhancing the suitability management of security market products, some measures need to be taken into account, which include enhancing risk education for investors and guiding investors to purchase suitable investment products.