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日本投资者适当性制度
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Topic: 日本投资者适当性制度 (Read 232 times)
Kezhendong
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日本投资者适当性制度
July 01, 2017, 02:56:57 AM
#1
原标题:日本投资者适当性制度
图集
日本《金融商品交易法》在第40条规定了适当性制度的总体原则。金融机构进行金融商品交易行为,应参照客户的知识、经验、财产状况及签订金融商品交易合同的目的,不得进行损害或有可能损害投资者保护的不恰当劝诱行为。《金融商品销售法》规定,金融销售业者应采取必要措施以确保恰当地进行金融商品销售,以保护客户的权益。
(一)了解你的客户
《金融商品交易法》、《金融商品销售法》规定了经纪商适当性的标准和程序。
1.建立并维护客户信息,需记录投资者尽可能完整的个人信息,应包括投资者的知识水平和投资经验等。
2.在提供信用交易、与衍生金融产品相关的其他产品时,需在与投资者最终签署合同前,获得投资者的书面声明记录,以确认投资者已完全知悉所签署合同内容及可能面临的投资风险。
(二)投资者分类
《金融商品交易法》根据客户知识水平、投资经验和财务状况,将客户分为专业投资者和普通投资者,普通投资者和专业投资者在一定条件下经过严格的程序后可以相互转化。同时,《金融商品交易法》将投资者细分为四类,即将专业投资者分为不可转化为普通投资者的专业投资者和可转化为普通投资者的专业投资者;普通投资者分为可转化为专业投资者的普通投资者以及不可转化专业投资者的普通投资者。同一个投资者在不同的金融机构可以有不同的身份,即可能其在这一家金融机构是专业投资者,而在另一家金融机构又是普通投资者。以上只是法律规定的投资者分类方式,券商、银行、基金等市场金融机构可以根据自身需要对分类进行调整,但原则是“从严不从宽”。 此外,如果金融机构违反了投资者分类的法律规定,会受到严格的处罚,包括罚款和监禁等。
对于可以转化为专业投资者的普通投资者,金融机构将其作为专业投资者对待的时候,必须确定其投资经验、资产状况符合要求。普通投资者需符合相应的条件,方可成为专业投资者。对于满足可以变成专业投资者条件的普通投资者,金融机构可以拒绝其成为专业投资者的申请,一律将其作为普通投资者对待。
(三)对金融机构的适当性要求
1.《金融商品销售法》要求金融机构承担对投资者“善尽说明”(风险揭示)的义务,在签订合同前必须严格履行书面说明义务和风险提示义务,如果金融机构未尽此义务而致投资者遭受损失的,投资者可对其请求损害赔偿。
2.《金融商品销售法》规定:主管机构对于违反适当性行为的金融销售或服务机构,应要求金融机构限期停止、改正其行为或采取必要的更正措施;期限届满仍未采取有效措施的,主管机构将继续命令其限期停止、改正其行为,并按次处以二倍到五倍的罚款、直至其行为改正;情节严重的,可责令限期撤换负责人或受雇人、停止全部或部分业务,甚至废止其业务许可。
3.《金融商品交易法》规定:金融机构从业人员必须遵守“适当性”原则,从业人员不得为签订合同诱导普通投资者购买与其知识、经验、财产状况不符的产品;在与不同类别投资者进行交易时,从业人员须遵守不同的行为规则,否则个人投资者可向监管机构主张其违反“适当性”原则,一经核实,从业人员需承担相应的法律责任。
+1 【纠错】 责任编辑: 杨晓波
jixiaozhao
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Re: 日本投资者适当性制度
July 01, 2017, 02:09:37 PM
#2
日本的投资者真有钱啊
Antonys
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Re: 日本投资者适当性制度
July 01, 2017, 02:10:26 PM
#3
投资真的要适可而止啊,不然一不小心渣都没了
Ziv STR
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Re: 日本投资者适当性制度
July 01, 2017, 02:58:32 PM
#4
确认投资者已完全知悉所签署合同内容及可能面临的投资风险!
Dean_Jue
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Re: 日本投资者适当性制度
July 01, 2017, 09:04:46 PM
#5
很厉害的样子!
tiaozhanziwo
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Activity: 392
Merit: 250
Re: 日本投资者适当性制度
July 02, 2017, 08:27:17 AM
#6
投资有风险,适度当有益。
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