財富管理業務近來蓬勃發展，然所衍生相關議題卻尚未引發法律學者興趣，為平衡國內推廣財富管理熱潮，並就未來可能爭紛提供規範性思考，本文乃以財富管理規範為主題，聚焦業務推展中，理財專員不當銷售行為衍生相關問題。本文從財富管理業務定義與特性之說明為始，繼而介紹財富管理主要衍生法律爭議，並以其中最大爭紛來源之不當銷售為本文討論核心；於第三部分就不當銷售之定義與相關規範進行討論與介紹，並以英國所頒布之行為準則為比較法之參酌；繼之分析不當銷售之責任原則，並嘗試提出案例說明文中所提常見主張於個案之適用與責任判斷。

In recent years, the distinctions between financial intermediaries in the banking, securities and insurance sectors have been blurred in many countries. This new financial conglomerate allows banking, insurance and securities operations to be carried out under the same roof, and at the same time, modify the landmark of the financial industry. By fitting the industry path and achieving the goal of high profit, the wealth management has taken the lead role in the industry and the customers are introduced to an era of tailor-made and elaborated financial services.
Nevertheless, while the aggregated wealth management consulting is taken to replace the traditional way of selling products, the way to regulate the financial sector changed. Compared to the usual regulatory regime's focusing on the selling of financial products, the supervision and regulation for wealth management will have more concerns in the suitability and integrity of the advice. This article aims to dig into the hot issue emerging from the delivery of wealth management services- Mis-Selling. This article first sets forth the description of wealth management, and then figure out the issues raising form the service provided with the focus on mis-selling related issues. This article next discusses the rule adopted by the FSA, UK, the rational for the rule and the cases. Finally, I propose to regulate the mis-selling with the procedure solution integrating the KYC procedure, suitability and disclosure.