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需设立独立机构，为复杂产品的投资者提供指引

这样一个机构的存在，很可能会促使整个行业在销售任何产品前，都更加注重妥善的解释和信息披露。

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    • 随着时间的推移，金融产品可能会变得越来越复杂，而不是更简单。
    • 随着时间的推移，金融产品可能会变得越来越复杂，而不是更简单。 照片：法新社

    R Sivanithy

    Published Thu, Sep 25, 2025 · 07:00 AM

    本文由AI辅助翻译

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    直到最近，普通投资者若想全面了解保险经纪推荐的投资联结保险（简称投连险，ILP），仍然缺乏寻求帮助或指引的独立渠道。

    通常，许多人最终会咨询自己的朋友或家人，而这些人不一定具备金融专业知识。这导致他们在不了解所购产品真实性质（它本质上是一款将投资基金与人寿保险相结合的产品）及相关风险的情况下，就签下了投连险保单。

    幸运的是，现在出现了一个名为 Redflags 的项目。这是由六位富有进取心的个人在几个月前推出的一个基于网络的数字工具，旨在帮助简化金融产品文件（如投连险产品说明书）中的专业术语。

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