金融机构适当性义务是一种对金融机构服务提供者施加的,相较于普通商品销售者而言,更为严格的义务。目前我国现有的相关规范仅仅是散落于行政法规和部门规章之间,存在诸多不足之处。有鉴于此,我们需要继续完善相关立法,加强金融监管机构合作,推动评级机构等市场中介行业发展,设置金融消费者保护局。 The due diligence of a financial institution is a more strict obligation imposed on service providers in financial institutions than ordinary sellers of goods. At present, the existing relevant norms in our country are merely scattered between administrative regulations and departmental rules and regulations. There are many deficiencies. In view of this, we need to continue to improve relevant legislation, strengthen the cooperation of financial regulators, promote the development of market intermediaries such as rating agencies, and set up the Financial Consumer Protection Agency.