本文選題：商業(yè)銀行 + 非保本理財產(chǎn)品��； 參考：《西南大學(xué)》2015年碩士論文

【摘要】：自從20世紀(jì)90年代我國商業(yè)銀行開始發(fā)展個人理財業(yè)務(wù)以來,理財產(chǎn)品不斷創(chuàng)新,朝著結(jié)構(gòu)性和衍生性的特征發(fā)展,購買商業(yè)銀行的理財產(chǎn)品成為越來越多消費(fèi)者的投資首選。一方面,隨著居民生活水平的提高,現(xiàn)代人追求更高收益的理財產(chǎn)品種類；另一方面,商業(yè)銀行出于利益驅(qū)動和市場需求考量,大力發(fā)行非保本理財產(chǎn)品。因此,近年來非保本理財產(chǎn)品的發(fā)行數(shù)量遠(yuǎn)超過保本型理財產(chǎn)品,占據(jù)大量市場份額。不同的理財產(chǎn)品中投資者面臨的風(fēng)險不同,高收益必然伴隨著高風(fēng)險。在非保本理財產(chǎn)品中,商業(yè)銀行不僅不保證投資者的收益,也不保證其本金安全,成功實現(xiàn)了風(fēng)險由商業(yè)銀行向投資者的轉(zhuǎn)移。因此,投資者只有在充分了解非保本理財產(chǎn)品的全面信息的基礎(chǔ)上才能進(jìn)行正確的投資選擇。然而,非保本理財產(chǎn)品往往具有復(fù)雜的產(chǎn)品結(jié)構(gòu),專業(yè)性較強(qiáng),投資者與商業(yè)銀行之間信息極不對稱,處于弱勢地位,主動了解非保本理財產(chǎn)品的信息渠道有限、成本高昂。在實踐中,商業(yè)銀行在宣傳、銷售非保本理財產(chǎn)品時往往存在誤導(dǎo)和誘導(dǎo)的行為,隱瞞理財產(chǎn)品所屬的種類,故意夸大預(yù)期收益率,缺乏風(fēng)險揭示和持續(xù)性的信息披露等。商業(yè)銀行的信息披露瑕疵成為非保本理財產(chǎn)品投資者與商業(yè)銀行發(fā)生糾紛的常見誘因。我國現(xiàn)行法律制度對非保本理財產(chǎn)品的信息披露并未引起足夠的重視。涉及到理財產(chǎn)品信息披露的法律規(guī)范多是銀監(jiān)會頒布的一些部門規(guī)章,其中零散涉及的一些對非保本理財產(chǎn)品信息披露的規(guī)定不夠全面、具體,立法層級不高,可操作性不強(qiáng),導(dǎo)致商業(yè)銀行在現(xiàn)實實踐中存在諸多不披露或披露瑕疵的狀況,十分不利于投資者全面了解非保本理財產(chǎn)品的相關(guān)信息。因此,商業(yè)銀行主動、完善的信息披露在非保本理財產(chǎn)品的發(fā)展過程中顯得尤其重要,它關(guān)系著投資者的合法權(quán)益,利于他們做出正確的投資決策,對發(fā)展我國理財市場和維護(hù)金融秩序也有著積極的推動作用。因此,結(jié)合我國商業(yè)銀行非保本理財產(chǎn)品的具體情況,首先應(yīng)該明確非保本理財產(chǎn)品信息披露應(yīng)當(dāng)遵循的原則,在此基礎(chǔ)上提高立法層級,完善法律體系,通過完善《商業(yè)銀行法》,對商業(yè)銀行非保本理財產(chǎn)品的信息披露進(jìn)行細(xì)化的規(guī)定,明確非保本理財產(chǎn)品信息披露的主體、內(nèi)容、方式、時間和違反信息披露義務(wù)的法律責(zé)任。其次,出臺非保本理財產(chǎn)品信息披露的標(biāo)準(zhǔn)格式,使非保本理財產(chǎn)品的信息披露標(biāo)準(zhǔn)化、法律化。最后,從保護(hù)投資者的角度出發(fā),完善非保本理財產(chǎn)品的爭議解決機(jī)制,充分發(fā)揮行業(yè)協(xié)會的自律作用,最大限度的保護(hù)投資者在進(jìn)行理財投資時的權(quán)益,促進(jìn)銀行理財業(yè)務(wù)的健康有序發(fā)展。
[Abstract]:Since China's commercial banks began to develop their personal finance business in the 1990s, financial products have been innovating and developing towards the characteristics of structure and derivation. The purchase of commercial banks' financial products has become the first choice for more and more consumers to invest. On the one hand, with the improvement of residents' living standards, modern people pursue higher profit types of financial products; on the other hand, commercial banks, driven by interest and market demand, vigorously issue non-capital preservation financial products. Therefore, the number of non-capital-preserving financial products issued in recent years far exceeds capital-preserving financial products, occupying a large market share. Investors face different risks in different financial products, and high returns are bound to be accompanied by high risks. In non-capital preservation financial products, commercial banks not only do not guarantee the return of investors, but also do not guarantee the security of their principal, and successfully realize the transfer of risks from commercial banks to investors. Therefore, investors can make correct investment choices only on the basis of fully understanding the comprehensive information of non-capital preservation financial products. However, non-capital preservation financial products often have complex product structure, strong specialization, asymmetric information between investors and commercial banks, and are in a weak position. The information channels of non-capital preservation financial products are limited and the cost is high. In practice, commercial banks often mislead and induce the sale of non-capital preservation financial products, conceal the kind of financial products, deliberately exaggerate the expected rate of return, lack of risk disclosure and sustained information disclosure. The flaw in information disclosure of commercial banks has become a common cause of disputes between investors of non-capital-preserving financial products and commercial banks. The current legal system of our country does not pay enough attention to the disclosure of non-capital-preserving financial products. Most of the legal norms related to financial management product information disclosure are some departmental regulations promulgated by the CBRC. Some of the regulations concerning non-capital preservation financial products information disclosure that are scattered among them are not comprehensive enough, specific, the legislative level is not high, and the operability is not strong. As a result, commercial banks do not disclose or disclose defects in practical practice, which is very unfavorable for investors to fully understand the related information of non-capital preservation financial products. Therefore, the active and perfect information disclosure of commercial banks is particularly important in the development of non-capital preservation financial products. It concerns the legitimate rights and interests of investors and helps them to make correct investment decisions. Also has the positive promotion function to the development our country financial management market and maintains the financial order. Therefore, according to the specific situation of non-capital preservation financial products of commercial banks in China, we should first make clear the principles that should be followed in the disclosure of non-capital preservation financial products, and on this basis, improve the legislative level and improve the legal system. By perfecting the Commercial Bank Law, the information disclosure of non-capital preservation financial products of commercial banks is specified, and the main body, content, method, time and legal responsibility of violating the obligation of information disclosure are clarified. Secondly, the standard format of information disclosure of non-capital preservation financial products is introduced to standardize and legalize the information disclosure of non-capital preservation financial products. Finally, from the point of view of protecting investors, we should improve the dispute resolution mechanism of non-capital preservation financial products, give full play to the self-discipline role of trade associations, and maximize the protection of investors' rights and interests when investing in financial management. To promote the healthy and orderly development of banking business.
【學(xué)位授予單位】：西南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：D922.281

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