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IFA与社区金融

Honor!我是IFA,我承诺

我是IFA,我承诺:

我将始终以客户利益为中心,秉承财富规划的理念,以理财规划的方式替代纯粹的金融产品销售,为客户提供更加专业的财富规划服务。

我将秉承公正客观的原则,严格按照国家各金融监管机构的规定开展业务活动,不采用误导或可能误导客户的方式和内容进行宣传推广。

我将不断提升自己的专业能力,遵守《适当性管理办法》,尽力确保把适当的产品或者服务销售或者提供给适合的客户。

我是IFA的会员,我承诺遵守“国际IFA宪章”。

联合国经济及社会理事会咨商地位的非政府组织“独立财务顾问公约”(CIFA)起草



http://cifango.org/
 


(译文仅作为参考)

THE CHARTER OF INVESTORS' RIGHTS

                       投资者权利宪章


This Charter has as its goal the definition of the fundamental and inalienable rights of the investor.


本宪章的目标是确定投资者的基本权利和不可剥夺的权利。


The Charter was drafted by the Convention of Independent Financial Advisors (CIFA), a non-governmental organization with consultative status at the Economic and Social Council of the United Nations.


 


“宪章”是由具有联合国经济及社会理事会咨商地位的非政府组织“独立财务顾问公约”(CIFA)起草的。


CIFA is the possessor and custodian of this Charter.


CIFA是本宪章的拥有者和监护人。


 


The Charter aims to underline the principles, both straightforward and permanent, of the investor so as to benefit from a legal framework which preserves private property and comprises goods resulting from the activities, be they personal property or intellectual, of the investor.


“宪章”旨在强调投资者的直接和永久权益,以便从保护私人财产的法律框架中受益,并且包含投资者活动产生的财物,无论是他们的个人财产还是知识产权。


The Charter attempts to respect the legislation, traditions and customs of all the countries which ratify it.


“宪章”尊重所有批准它的国家的立法,传统和习俗。


Article 1


Private property is protected according to the contents of this Charter of investors' rights. Private property is defined as the entirety of goods and rights that exist, as well as all revenue and obligations relating to it that are not recognised as the property of a member state of the United Nations. Private property resulting from ancestral, historic or tribal rights is equally covered by this Charter.


根据这份投资者权利宪章的内容,私人财产受到保护。私人财产被定义为存在的实物和权利的全部,以及与之相关的所有收入和义务,但是不被承认为联合国成员国的财产。本宪章同样涵盖了源于祖先,历史或部落权利的私人财产。


 


Article 2


Only private property constituted or acquired under universally accepted moral norms is protected by this Charter. All private property acquired or constituted under constraint or duress, or by way of intimidation or any other criminal manner, is excluded from protection by this Charter.


只有根据普遍接受的道德准则构成或取得的私人财产才受本宪章保护。在约束或胁迫下,或通过恐吓或任何其他犯罪方式获得或建立的所有私人财产均不受本宪章的保护。


Article 3


The investor is a person, physical and moral, who is in possession of the right of disposal of his or her private property and is, simultaneously, the beneficiary of income and obligations which accrue to him.


投资者作为在身体上和精神上的独立的人,拥有处置他或她的私人财产的权利,同时也是他所得到的收入和义务的受益人。


Article 4


All acts of expropriation or confiscation of private property and revenues are forbidden. All investors have the right to protect themselves, by all legal means, against all acts of expropriation or confiscation by a state or private organization that is directly or indirectly subordinated to it.


禁止一切侵占或没收私有财产和收入的行为。所有投资者都有权通过一切合法手段保护自己免受直接或间接的一切侵占或没收行为。


Article 5


The investor has the right, freely and without constraint, to dispose of the totality of all of his or her assets which constitute his private property as well as the income attributable and conforming to their needs and aspirations. Any restrictions on the rights of disposal of these goods are not acceptable without the agreement of the owner who gives free consent without constraint.


投资者有权自由而不受限制地处置构成其私人财产的全部资产以及归属和符合他们需求和期望的收入。未经业主同意而不受限制地给予自由同意,任何限制处置这些实物的权利都是不能接受的。


Article 6


The investor has the right to protection of his private sphere. The investor is the sole decision-maker regarding the choice of means of investment structure which guarantees the best protection for his private sphere.


投资者有权保护自己的私人领域。投资者是选择投资结构方式的唯一决策者,这种投资结构可以保证为他的私人领域提供最好的保护。


 


Article 7


The investor has the right to use his best judgement to find the most appropriate way for his private property and revenue to yield a profit. He has the right freely to choose the structures and institutions that he judges will more than adequately accommodate the components of his private property as well as the revenue which results.


投资者有权利用自己的最佳判断力,为他的私人财产和收入寻找最合适的方式来获得利润。他有权自由选择他所判断的结构和机构,而不是充分迎合他私人财产的组成部分以及收入。


Article 8


The investor undertakes to arrange his assets in a manner that respects the habits, customs as well as the legal framework of the countries in which he invests.


投资者承诺以尊重其投资国家的习惯,习俗和法律框架的方式安排其资产。


Article 9


The investor has the right to expect from states and governments good structures, supervision and adequate surveillance of the market place. He or she is free, and at the same time personally responsible, for all investments which proceed forth.


投资者有权希望来自各国和地区政府的良好治理和适当的市场监督。他或她是自由的,并且同时负有个人责任,为所有的投资提供支持。


Article 10


The investor undertakes to respect the fundamental rights of mankind as defined in the Charter of the United Nations.


投资者承诺尊重“联合国宪章”所定义的人类基本权利。


 


Geneva, April 30, 2008


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