Page 628 - 《期货和衍生品行业监管动态》（2022年合集）

期货和衍生品行业监管动态

品进行适当地改进。这些公司还应当确保他们为客户提供了帮助，特别是那些容

易遭受风险或有赌博问题迹象的客户。”

FCA 将进一步研究交易 app 的使用和设计特征，特别是了解这些 app 用户更

广泛的金融脆弱性，例如，他们是否借款进行投资，以及其损失规模。FCA 的

2022 年财务生活调查（2022 Financial Lives Survey）发现，在所有成年投资者中，

有 9%的人是借款进行投资，这其中 49%的人如果不进行借款将无法继续投资。

为了确保客户受到公平对待，在新的消费者义务于明年生效前，所有公司应

当现在审查其产品，确保符合应有目的。

消费者义务规定，公司必须对其服务进行合理设计，使消费者能够对金融产

品和服务作出有效、及时和适当的决策。

FCA Concerned about Problem Behaviours Linked to Trading App Design

(2022/11/12)

The Financial Conduct Authority (FCA) has warned stock trading app operators

to review design features, including those with game-like elements, which risk

prompting consumers to take actions against their own interest.

Features include sending frequent notifications with the latest market news and

providing consumers with in-app points, badges and celebratory messages for making

trades. The FCA has found that consumers using apps with these kind of features

were more likely to invest in products beyond their risk appetite.

Alongside its warning to app-operators, the FCA has published research that

raises concerns that customers using such trading apps are exposed to high-risk

investments, and that some appear to exhibit behaviours similar to problem-gambling.

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