国际视角下我国金融机构投资者适当性制度的完善研究

Research on improving the investor suitability system for financial institutions in China from an international perspective

金融机构投资者适当性制度对于保护投资者利益、维护市场稳定、提高金融交易效率等有重要的作用。但我国金融机构投资者适当性制度因处于发展之初,在制度理论、立法模式、制度规则、权益救助机制等方面还存在一定不足。完善我国金融机构投资者适当性制度需要结合我国的现实制度基础,借鉴域外金融机构投资者适当性制度好的经验,以诚实信用原则为本,通过整合立法的方式明确适当性义务的行为规范模式,并通过丰富非诉纠纷解决机制救济投资者的合法权益。

The appropriateness of the system for financial institutional investors plays a crucial role in safeguarding investor interests,maintaining market stability,and enhancing the efficiency of financial transactions.However,as the appropriateness system for financial institution investors is still in its early stage of development,there are some deficiencies in terms of system theory,legislative modes,system rules and equity recue mechanisms.To improve the appropriateness system of financial institutional investors in China,it is necessary to combine the practical foundation of China's system,learn from the good experience of appropriateness system used by foreign financial institutional investors,base it on the principle of honesty and credit,clarify behavior norms for appropriateness obligation through legislation integration,and protect the legitimate rights and interests of investors by enriching the non-litigation dispute resolutionmechanism.