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一、前言自2008年以来,中国香港地区的雷曼迷你债券风波、台湾地区的连动债券风波、中国内地大型国有企业和富商参与场外金融衍生品交易遭遇巨亏,以及内地的客户与商业银行之间因理财产品日益增多的纠纷,暴露出复杂的金融衍生品交易在过去的二十余年间呈现出“零售化”和“消费者化”的发展趋势。借助金融机构推销与衍生产品挂钩的各种金融商品或者理财产品,它实际上已经
I. Introduction Since 2008, the turmoil in Lehman Minibonds in Hong Kong, China, the downturn in bonds in Taiwan, the huge losses of large state-owned enterprises and wealthy businessmen from participating in OTC derivatives transactions in mainland China, and the growing number of customers and businesses in the Mainland Due to the increasing number of disputes over wealth management products among banks, it is revealed that the complicated financial derivative transactions have shown a trend of “retailization” and “consumerization” in the past two decades or so. With financial institutions to sell derivative products linked to a variety of financial products or financial products, it has actually been