产品监管：基于金融消费者保护的金融监管范围的延伸

金融危机以来，英、关等金融发达国家的金融监管部门从反思金融创新的过度化与保护金融消费者的角度出发．进一步谋求扩大金融监管机构的监管范围以实现金融业的稳健，并根据金融产品生命周期理论提出对金融产品实施监管的政策措施，对此在欧关等国引发了广泛的争论与质疑。本文在追踪上述国家关于对金融产品实施监管的最新立法动向并剖析其纷争的基础上提出，尽管现阶段我国金融创新程度尚未对实施金融产品监管提出急迫的要求．然而伴随中国金融业的崛起对金融创新的要求，监管部门应当对于金融创新中将出现的金融产品监管问题形成前瞻性的思考和基础性的研究。

Supervision over Products:The Prolongation of Financial Supervision based on the Protection of Financial Consumers

Since the latest financial crisis,financial supervisory departments of major developed countries have reflected on the abuse of financial innovation and the protection of financial consumers,sought to expand the range of financial supervision to ensure the stability of financial industry,and proposed to supervise financial products based on the life cycle theory of financial product.These moves triggered extensive disputes and suspicions in the US and European countries.The article traces the latest legisla...