| Summary: | 碩士 === 南台科技大學 === 財經法律研究所 === 99 === With the innovation of financial products and opening-related derivatives in recent years become one of the fastest growing business.
However, such financial engineering through the design of increasingly complex structured financial products, including the complexity of the implied risk, often make credit rating agencies, legal institutions are not clearly understood, let alone the majority of the general investing public; the paper "derivatives of consumer Protection, "is caused by the recent series of consumer disputes, with a central point of view.
Since the outbreak of the second half of 2007, the U.S. subprime mortgage crisis, Northern Rock bank run from the UK, the U.S. investment bank Bear Stearns, Indy Mac Bank to the bankruptcy of Lehman Brothers ... ... and so on, and even many countries the brink of bankruptcy with the Bank or loss of economic sovereignty of the global economy and financial markets are caught, brought to financial institutions and investors shocked and painful lesson.
This paper studies the structure and purpose is to sell financial products by banks at the same time, how to ensure that consumers derivative rights are protected. Therefore, this paper presents three ideas to explore: first, how to ensure that investors understand the risk. Second, the supervisory authority control measures and information disclosure issues. Third, the time of the accident and claims to maintain investor interest in the mechanism issues.
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