【摘要】：近年來,越來越多的人愿意將手中閑余資金由銀行運營來獲得資產(chǎn)收益,各銀行為滿足消費者的需求創(chuàng)新開發(fā)了各種類型的理財產(chǎn)品。但實際生活中,銀行理財產(chǎn)品中個人客戶被誤導(dǎo)等侵犯消費者權(quán)益的事件已司空見慣,然而現(xiàn)有規(guī)范性文件以及相關(guān)制度對銀行該類消費者的合法權(quán)益尚未進行更全面更充分的保護。因此,有必要通過立法規(guī)范及完善制度對理財產(chǎn)品消費者進行傾斜保護,首先應(yīng)當(dāng)確定銀行理財產(chǎn)品合同的法律性質(zhì),以明確當(dāng)事人的民事責(zé)任以及由誰來承擔(dān)舉證責(zé)任。其次有必要分析銀行理財產(chǎn)品運作過程中可能會損害消費者利益的風(fēng)險問題,縱觀國內(nèi)外相關(guān)立法從而提出如何保護其合法權(quán)益的建議。本文同時建議出臺新的具體細(xì)則來提高商業(yè)銀行理財產(chǎn)品的市場準(zhǔn)入標(biāo)準(zhǔn)、細(xì)化信息披露內(nèi)容、規(guī)范格式合同等來降低理財消費者權(quán)益受侵害的風(fēng)險,并提出借鑒國外監(jiān)管制度的經(jīng)驗以改變現(xiàn)有監(jiān)管模式對銀行理財消費市場的監(jiān)督,另外,建議完善信息披露制度,使消費者能夠在運作過程中了解資金的動態(tài)流向、風(fēng)險等信息。最后,有必要完善糾紛發(fā)生后的訴訟解決機制,讓權(quán)益受到損害的消費者得到應(yīng)有的補償。
[Abstract]:In recent years, more and more people are willing to operate their spare funds by banks to obtain asset returns. Banks have innovatively developed various types of wealth management products to meet the needs of consumers. However, in real life, it is common for individual customers to be misled and other violations of consumers' rights and interests in bank wealth management products. However, the existing normative documents and related systems have not yet carried out more comprehensive and adequate protection of the legitimate rights and interests of banks. Therefore, it is necessary to protect the consumers of financial products through legislative norms and perfect systems. first of all, we should determine the legal nature of bank financial products contracts in order to clarify the civil liability of the parties and who will bear the burden of proof. Secondly, it is necessary to analyze the risk that may harm the interests of consumers in the operation of bank wealth management products, and put forward some suggestions on how to protect their legitimate rights and interests through the relevant legislation at home and abroad. At the same time, this paper suggests that new specific rules should be issued to improve the market access standard of financial products of commercial banks, refine the content of information disclosure, standardize the format contract and so on, so as to reduce the risk of infringement of the rights and interests of financial consumers. In addition, it is suggested that the information disclosure system should be improved so that consumers can understand the dynamic flow of funds in the course of operation. Risk and other information. Finally, it is necessary to improve the litigation settlement mechanism after the dispute occurs, so that consumers whose rights and interests have been damaged can get due compensation.
【學(xué)位授予單位】：西南科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.2

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