在我国分业经营的体制下,金融产品依据由哪类机构经营而被相应地划分为银行类产品、证券类产品、保险类产品和信托类产品。这种分类方法并未从本质上对金融产品提出划分标准,使得金融产品的定义和分类存在相互重合或模糊不清的情况,进而导致金融监管错位。例如,目前有些金融创 Under the system of separate operation in our country, the financial products are divided into bank products, securities products, insurance products and trust products according to which kind of institutions are operated. This classification method does not essentially demarcate the standard of financial products, making the definition and classification of financial products overlap each other or unclear, leading to misplaced financial regulation. For example, there are some financial innovations