金融推介法律规范体系研究

Research in Law Standardized System of Financial Promotion

金融推介是金融服务机构进行产品、服务销售的重要环节。合法、有效的金融推介不仅能为投资者带来显著的收益、保护消费者的合法利益,同时也能为金融机构带来丰厚的利润和良好的声誉,推进金融行业可持续发展。虚假的、误导性的金融推介会给消费者带来无法挽回的损失,重创金融系统。健全金融推介的法律规范体系,应当从外部监管和内部治理双重角度构建和完善。

Financial promotion is an important process of product and service sale carried out by financial serviceagencies. Legitimate and effective financial promotion not only brings investors obvious returns and protects consumers＂legitimate interest but offers financial agencies handsome profit and better reputation and boosts financial-sector sustainabledevelopment. False mis-guiding financial promotion leaves consumers ＂loss beyond retrieval, damaging financial system. Toimprove the law standardized system in financial sector needs to started from external supervision and internal control.