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一、导论随着居民财富的积累,各种理财产品逐渐成为受大众青睐的投资品种,但商业银行的销售行为引发的纠纷却越来越频繁,很多投资者都指责银行在未经客户风险测评并未充分告知风险的情况下出售高风险产品,由此引发销售过程中的“适当性”问题。根据《金融产品和服务零售领域的客户适当性》①的界定,“适当性”是指“金融中介机构所提供的金融产品或服务与客户的财务状
I. Introduction With the accumulation of residents ’wealth, various wealth management products have gradually become the popular investment products, but the disputes caused by the sales behavior of commercial banks have become more and more frequent. Many investors have accused banks of not having clients’ risk assessment The sale of high-risk products without adequate disclosure of the risks triggers the issue of ”appropriateness“ in the sales process. According to the definition of ”customer suitability in the retail of financial products and services“, ”appropriateness“ means that ”the financial products or services provided by a financial intermediary and the financial status of a customer