Study On The Appropriateness Rules Of Financial Product Network Sales

The network sale of financial products,as a new financial management method under the general trend of the development of Internet finance,has the characteristics of Internet financial products but also faces the problems of Internet finance.In this booming new era of Internet financial management,information sharing is both convenient and hidden trouble.The application of investor appropriateness rules in the field of the network sale of financial products is an important theoretical tool to balance the serious information asymmetry and status imbalance between Internet financial investors and financial institutions.In this way,both parties of the transaction can achieve substantial fairness,which is quite necessary to protect the rights and interests of Internet financial consumers.Firstly,this paper expounds the research background and significance in the introduction;Secondly,in the first part of the article,the current situation of information asymmetry in the network sale of financial products is discussed,and the particularity of the network sale of financial products and traditional financial management is compared by empirical analysis,the weak position of investors in the network sale of financial products in China and the research value are reflected.The second part of the article studies the evolution and application of extraterritorial appropriateness rules,mainly taking the United States as an example to explore the implications of extraterritorial experience for the practical application of China.The third part of the article mainly studies the difficulties in the application of appropriateness rules in the network sale of financial products.Through the analysis of typical cases,it analyzes the problems such as the disconnection between the theory and practice of appropriateness rules,the practical application of investor classification remains to be discussed,the investor education system remains to be improved,and the space for improving rights relief is large.The fourth part of the article from the improvement of the basic theory,the adequacy of financial products online sales assessment,the adequacy of the assessment of investors,the improvement of the legal responsibility of the adequacy of the appropriate match and other aspects of the improvement of China’s financial products online sales suitability rules recommendations;Finally,in the conclusion part,the research on the appropriateness rules in the network sale of financial products has an outlook on the protection of investors’ rights and interests.Appropriateness rules are regarded as an important theoretical tool to balance the serious information asymmetry and status imbalance between Internet financial investors and financial institutions.