CAJ | 학술논문

金融团购的研究在我国处于起步阶段。它在降低金融产品服务的交易成本，降低高投资起点理财产品的门槛，使投资者获得较高投资回报率的同时，也存在着四方面风险，即金融环境风险、第三方操作风险、法律缺失风险和金融团购产品的特殊风险。对此，需要通过政府、金融机构、消费者三方面努力．完善相应的运作机制、法律规制。
금융단구적연구재아국처우기보계단。타재강저금융산품복무적교역성본，강저고투자기점리재산품적문함，사투자자획득교고투자회보솔적동시，야존재착사방면풍험，즉금융배경풍험、제삼방조작풍험、법률결실풍험화금융단구산품적특수풍험。대차，수요통과정부、금융궤구、소비자삼방면노력．완선상응적운작궤제、법률규제。
The research on financial group buying is still in the initial stage in our country. It plays a prominent role in re- ducing transaction cost of financial products and services, lowering high investment starting point of the financial products, and making investors get higher return on investment. At the same time, financial group buying also faces four kinds of risks-financial environment risk, the third party operation risk, lack of law risk and financial products' specific risks. In light of the above factors, we need to reduce financial group buying's risks, through improving the corresponding operating mech- anism and the legal regulation, by efforts of the government, financial institutions and customers.