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我国金融消费者保护应单独立法,立法时应摒弃“机构性”规制理念,采“功能性”规制理念。金融商品类型化可作为实现此理念的方法,应用该方法构建我国金融消费者保护规则,引入“金融投资商品”概念,将整个金融市场中的金融商品重新分类为存款型商品、金融投资商品、保障型商品、贷款型商品和复合型商品类型。在设计具体的金融消费者保护规则时,应以重整后的金融商品类型为基础,以“适当性原则”、“说明义务”、“不当劝诱之禁止规则”等为体系加以构建。
China’s financial consumer protection should be legislated separately. Legislation should abandon the concept of “institutional” regulation and adopt the concept of “functional” regulation. Financial products can be used as a method to realize this concept. This method is applied to construct the rules of financial consumer protection in our country. The concept of “financial investment commodities” is introduced to reclassify the financial products in the whole financial market as deposit-type products, financial investment products, Assured, Loan, and Composite types. When designing specific financial consumer protection rules, we should construct a system based on the types of financial products after the reorganization with the principles of “appropriateness”, “description of obligations” and “prohibition of improper inducements”.