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从投资者保护层面来看,韩国通过《资本市场法》的制定,概括性地规定了金融投资产品的概念,引入了根据投资者的特性进行规范的投资者区分制度,对于普通投资者劝诱,法律赋予了金融投资业者适当性原则和说明义务等要求,明确了投资者适当性原则与说明义务、适合性原则的差别,且对投资者适当性原则的内容以及违反投资者适当性原则的法律责任作出了规定。同时,为了解决实践中投资者适当性原则在适用上所出现的问题,韩国又通过相关规则的制定、修订,完善了《资本市场法》上相关规定的不足。我国在以立法的形式确立投资者适当性原则时,韩国《资本市场法》及相关规定和做法均值得借鉴。
From the point of view of investor protection, through formulating the “Capital Market Law”, South Korea provides a general definition of the concept of financial investment products and introduces a system of investor differentiation that is regulated according to the characteristics of investors. As for ordinary investors, The law gives financial investors the principle of appropriateness and the obligation to explain obligations, clarifies the difference between the principle of investor suitability, the obligation to explain and the principle of suitability, the principle of investor suitability and the law that violates the principle of investor suitability Responsibility made the provision. At the same time, in order to solve the problems that arise in the application of the principle of investor suitability in practice, South Korea has amended and perfected the relevant provisions of the Capital Market Law through the formulation, revision and amendment of relevant rules. When establishing the principle of investor suitability in the form of legislation, the “Capital Market Law” and related regulations and practices of South Korea are worth learning from.