金融创新、产品干预与金融机构行为风险防控

Financial Innovation, Product Intervention and Conduct Risk Management of Financial Institutions

金融机构产品创新深化带来的产品复杂性和信息不对称,给金融消费者权益带来了损害,也给金融体系安全带来了极大的风险。一些国家的监管当局对金融消费品市场采取了新的产品干预政策,关注整个金融产品生命周期,实现行为监管"关口"的前移。中国金融机构应该了解国际上关于产品干预的监管做法,借鉴国外关于行为风险的管理经验,保持金融产品创新和行为风险管控的适当平衡,建立起基于产品生命周期的全流程行为风险防控制度。

The product complexity and information asymmetry due to the product innovation deepening of financial institutions result in great risks to the safety of financial system. The regulatory authorities of some states have adopted a new product-intervention policy that concerns the whole life cycle of financial products and moves the ＂gateway＂ of conduct regulation forward. The Chinese financial institutions should investigate the international regulatory practices in product intervention, learn from foreign experience in conduct risk management, keep a balance between financial product innovation and conduct risk control, and establish the whole-process control systems of conduct risks based on the life cycle of product.