新西兰依据其金融法制定的公平规则因模糊不清、成本高、创新可能受到损害而面临批评,这促使人们呼吁重新关注明确的不当行为和识字问题。 New Zealand’s fairness rules under its financial law face criticism for vagueness, high costs, and potential harm to innovation, prompting calls to refocus on clear misconduct and literacy.

新西兰金融业必须遵守金融市场管理局执行的《金融市场行为法》规定的公平性要求,要求各机构执行有治理和监测系统的公平行为方案。 New Zealand’s financial industry must comply with fairness requirements under the Financial Markets Conduct Act, enforced by the Financial Markets Authority, requiring institutions to implement fair-conduct programs with governance and monitoring systems. 然而,法律对公平性的广泛、主观定义造成了监管不确定性,导致遵守成本高,执法不连贯。 However, the law’s broad, subjective definition of fairness creates regulatory uncertainty, leading to high compliance costs and inconsistent enforcement. 2024年,行业对繁琐规则的担忧促使政府进行审查,结果产生了一项2025年修正案草案,以缓解要求,尽管现有的遵约制度仍可能需要修改。 In 2024, industry concerns over burdensome rules prompted a government review, resulting in a 2025 draft amendment to ease requirements, though existing compliance systems may still need overhaul. 批评者警告说,将公平用作法律标准有可能限制消费者的选择,即使个人理解和接受风险,也有可能阻碍创新。 Critics warn that applying fairness as a legal standard risks restricting consumer choice, even when individuals understand and accept risks, and could hinder innovation. 专家们建议把重点从模糊的公平任务转向经证实的不当行为,提高金融知识水平,只处理明显的伤害问题。 Experts recommend shifting focus from vague fairness mandates to proven misconduct, improved financial literacy, and addressing only clear harm.