本文選題：商業(yè)銀行 + 個(gè)人理財(cái)業(yè)務(wù)　； 參考：《西南政法大學(xué)》2015年碩士論文

【摘要】：近年來(lái),隨著國(guó)家政策的不斷實(shí)行,經(jīng)濟(jì)發(fā)展向著更好更快的方向不斷發(fā)展,我國(guó)居民物質(zhì)生活水平得到提高的同時(shí),人們?yōu)榱俗非筚Y金的更大化,越來(lái)越關(guān)注理財(cái)業(yè)務(wù),更關(guān)心對(duì)財(cái)富如何管理使資金更大化升值。金融理財(cái)市場(chǎng)不斷發(fā)展,2013年新消費(fèi)者權(quán)益保護(hù)法及一系列相關(guān)法律法規(guī)的頒布實(shí)行,對(duì)我國(guó)金融理財(cái)業(yè)務(wù)領(lǐng)域有了現(xiàn)實(shí)性的發(fā)展。然而在經(jīng)濟(jì)市場(chǎng)化大背景下,我國(guó)銀行個(gè)人理財(cái)業(yè)務(wù)市場(chǎng)的發(fā)展仍然需要以政府為主導(dǎo)對(duì)銀行商業(yè)主體的調(diào)控,通過(guò)宏觀調(diào)控來(lái),規(guī)范銀行主體行為,防范銀行商業(yè)風(fēng)險(xiǎn),從根本上促進(jìn)銀行個(gè)人理財(cái)業(yè)務(wù)市場(chǎng)的健康發(fā)展。商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù)的發(fā)展需要我們不斷探索經(jīng)驗(yàn)教訓(xùn),發(fā)展商業(yè)銀行個(gè)人理財(cái)業(yè)務(wù),繁榮理財(cái)產(chǎn)品市場(chǎng),從而促進(jìn)我國(guó)經(jīng)濟(jì)的更好更快的發(fā)展,改善人們的生活質(zhì)量。本文嘗試對(duì)銀行個(gè)人理財(cái)業(yè)務(wù)信息披露制度進(jìn)行系統(tǒng)分析,同時(shí)通過(guò)研究分析國(guó)外理財(cái)業(yè)務(wù)市場(chǎng)發(fā)展成熟國(guó)家的銀行個(gè)人理財(cái)業(yè)務(wù)信息披露制度,借鑒其經(jīng)驗(yàn),學(xué)習(xí)并利用其有效途徑,發(fā)展我國(guó)銀行理財(cái)業(yè)務(wù),提出相關(guān)我國(guó)理財(cái)業(yè)務(wù)信息披露制度發(fā)展方向。具體來(lái)說(shuō),本文共分為四個(gè)部分。第一部分,是對(duì)銀行個(gè)人理財(cái)業(yè)務(wù)的的相關(guān)概念、基礎(chǔ)規(guī)范等的一般介紹。在這部分中,介紹了銀行個(gè)人理財(cái)產(chǎn)品、個(gè)人理財(cái)業(yè)務(wù)的等相關(guān)概念,為之后的問(wèn)題的分析等研究作基礎(chǔ),第二節(jié)分別介紹了商業(yè)銀行理財(cái)產(chǎn)品信息披露制度的經(jīng)濟(jì)理論和法律規(guī)范。第三節(jié)是對(duì)商業(yè)銀行信息披露的風(fēng)險(xiǎn)分析。第二部分,對(duì)我國(guó)銀行理財(cái)業(yè)務(wù)信息披露制度的法律法規(guī)的考察,以及在此基礎(chǔ)上對(duì)我國(guó)現(xiàn)存的個(gè)人理財(cái)業(yè)務(wù)信息披露制度的問(wèn)題進(jìn)行分析。介紹了我國(guó)近些年來(lái)頒布的有關(guān)信息披露制度方面的法律、規(guī)范性文件等,并分析我國(guó)銀行理財(cái)產(chǎn)品信息披露制度在實(shí)踐中出現(xiàn)的一些理論與實(shí)際差距問(wèn)題,包括在法律規(guī)范、制度設(shè)計(jì)、監(jiān)管、責(zé)任方面的一些問(wèn)題。第三部分,分析國(guó)外在金融理財(cái)業(yè)務(wù)中信息披露制度的法律規(guī)范、相關(guān)制度、監(jiān)管、責(zé)任等方面,并通過(guò)對(duì)美國(guó)、英國(guó)和日本實(shí)踐經(jīng)驗(yàn)的梳理,分析他們的共同之處,得出了一些啟示與借鑒,為我國(guó)銀行理財(cái)業(yè)務(wù)信息披露制度的完善提供建議。第四部分,完善我國(guó)銀行個(gè)人理財(cái)業(yè)務(wù)信息披露義務(wù)制度的相關(guān)建議。在分析研究前幾部分的基礎(chǔ)上,從我國(guó)現(xiàn)存相關(guān)法律制度、制度本身等方面出發(fā),借鑒國(guó)外先進(jìn)的經(jīng)驗(yàn)教訓(xùn),包括在制度設(shè)計(jì)等方面的對(duì)我國(guó)有學(xué)習(xí)借鑒意義的一些途徑,提出了我國(guó)在銀行理財(cái)業(yè)務(wù)信息披露制度的未來(lái)發(fā)展道路上值得學(xué)習(xí)借鑒的途徑。
[Abstract]:In recent years, with the continuous implementation of national policies, the economic development has been developing towards a better and faster direction, and the material living standards of Chinese residents have been improved, at the same time, people are paying more and more attention to the business of financial management in order to pursue greater capital. More concerned about how wealth is managed to increase the value of capital. With the development of financial management market and the promulgation and implementation of new consumer rights and interests protection law and a series of related laws and regulations in 2013, there has been a realistic development in the field of financial management business in China. However, under the background of economic marketization, the development of bank personal finance business market in our country still needs the government as the leading control to the commercial subject of the bank, to regulate the behavior of the main body of the bank and to guard against the commercial risk of the bank through macro-control. Fundamentally promote the healthy development of bank personal finance business market. The development of commercial bank's personal finance business needs us to explore the experience and lessons constantly, develop the commercial bank's personal finance business, prosper the financial management product market, thus promote the better and faster development of our country's economy, improve people's quality of life. This paper attempts to make a systematic analysis of the information disclosure system of bank personal finance business, and at the same time, by studying and analyzing the information disclosure system of bank personal finance business in developed countries in foreign financial business markets, we can learn from its experience. Study and use its effective way to develop the banking financial management business of our country, and put forward the development direction of the information disclosure system of the related financial management business in our country. Specifically, this paper is divided into four parts. The first part is the general introduction of bank personal finance business related concepts, basic norms and so on. In this part, the author introduces the related concepts of personal financial products, personal finance business and so on, which is the basis for the analysis of the following problems. The second section introduces the economic theory and legal norms of financial product information disclosure system of commercial banks. The third section is the risk analysis of commercial bank information disclosure. In the second part, the author investigates the laws and regulations of the information disclosure system of banking business in China, and on this basis, analyzes the problems of the information disclosure system of personal finance business in our country. This paper introduces the laws and normative documents on the information disclosure system promulgated in recent years, and analyzes some theoretical and practical gaps in the information disclosure system of banking financial products in China, including the legal norms. Some problems in system design, supervision and responsibility. The third part analyzes the legal norms, related systems, supervision, responsibility and other aspects of the information disclosure system in the financial management business abroad, and analyzes their common points by combing the practical experience of the United States, the United Kingdom and Japan. Some enlightenments and references are obtained, and suggestions are provided for the perfection of the information disclosure system of banking business in China. The fourth part, consummates our country bank personal finance service information disclosure duty system related suggestion. On the basis of the analysis and study of the first few parts, from the aspects of the existing relevant legal system, the system itself, and so on, we can learn from the advanced experience and lessons of foreign countries, including some ways of learning from the system design and other aspects of our country. The paper puts forward the way to learn from the future development of banking financial information disclosure system in China.
【學(xué)位授予單位】：西南政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類(lèi)號(hào)】：D922.281

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