面对金融“大爆炸”环境及本次金融危机中出现的新问题,本文在梳理先进国家金融立法改革的基础上,借鉴其合理因素,并与我国实践相结合,建议通过“投资性”概念区分金融市场上的投资品与消费品,进而区别“金融商品投资者”与“金融商品消费者”;同时在发展“投资者适当性制度”基础上将“金融商品投资者”进一步分为“专业投资者”与“一般投资者”。 In the face of the financial “Big Bang ” environment and the new problems appearing in this financial crisis, on the basis of combing the reform of financial legislation in advanced countries, drawing on its reasonable factors and combining with our country’s practice, this paper suggests adopting “ The concept of ”sex“ distinguishes investment goods and consumer goods in financial markets, and then differentiates between ”financial product investors“ and ”financial product consumers“; meanwhile, based on the development of ”investor suitability system“ ”Financial Product Investors“ is further divided into ”Professional Investors“ and ”General Investors."