筑牢行业良性发展基石，金融机构要承担更大责任

Core Viewpoint - The article discusses the implementation of the "Financial Institutions Product Appropriateness Management Measures" aimed at enhancing the appropriateness management of financial institutions, ensuring fair and safe financial consumption, and protecting the legitimate rights and interests of financial consumers [1][2]. Group 1: Financial Institutions Responsibilities - Financial institutions are required to strengthen appropriateness management to optimize financial services, avoid management risks, and resolve disputes, which is beneficial for the long-term development of the industry [1]. - The new regulations prohibit financial institutions from misleading or inducing customers to purchase products through performance manipulation or improper presentation [2]. Group 2: Consumer Protection Measures - The measures specifically address the issue of exaggerated returns in financial product promotions, emphasizing that financial institutions must not mislead consumers regarding risks and returns [2]. - Financial institutions must conduct suitability assessments for consumers, ensuring that products sold match the consumers' qualifications and risk profiles [2][3]. Group 3: Special Considerations for Elderly Consumers - There are stricter suitability assessment requirements for consumers aged 65 and above, recognizing their potential lack of financial knowledge and vulnerability to misleading sales tactics [3]. - Financial institutions must implement special procedures when selling high-risk products to elderly clients, including enhanced information disclosure and follow-up communications [3]. Group 4: Regulatory Enforcement - The article emphasizes the need for strengthened regulation and strict penalties for financial institutions that violate appropriateness management regulations [4]. - Regulatory bodies will hold financial institutions accountable for the actions of their sales personnel, ensuring that institutions cannot evade responsibility for misconduct [4].