适合性原则起源于美国证券市场,并作为消费者保护的重要内容纳入美国保险监管领域。其核心要求是销售方有义务在对投保人进行合理调查的基础上,向其推荐符合其需求的保险产品。通过借鉴美国保险交易领域的适合性原则要求,结合我国寿险市场误导难禁和产品错配的现状,提出应从保护投保人利益和提高监管效率的角度,构建我国寿险业销售误导事中防范体系的实现路径。 The principle of suitability originates in the U.S. securities market and is incorporated into the field of insurance regulation in the United States as an important element of consumer protection. The core requirement is that the seller is obliged to recommend insurance products that meet their needs on the basis of a reasonable investigation of the insured. By referring to the principle of suitability in the field of insurance transaction in the United States and combining the current situation of misleading and product mismatch in the life insurance market in our country, the author puts forward that we should construct the precautionary system of misleading sales in life insurance industry from the perspective of protecting the interests of policyholders and improving the efficiency of supervision Realize.