商业银行理财产品投资者权益保护的私法救济研究

发布时间：2018-01-22 19:01

本文关键词： 银行理财产品投资者权益保护私法私法救济　出处：《江西财经大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着国内银行理财服务的逐步发展,理财产品逐渐成为国内商业银行产品和服务创新的主要领域。但是,目前我国对于商业银行理财产品监管的法律、法规很少,随着我国金融资本市场的逐步成熟,银行理财产品投资业务的发展逐渐繁荣起来,同时银行理财产品也出现了各种各样的法律问题,特别是商业银行理财产品侵权损害赔偿的问题上,出现法律空白,如何运用法律对广大投资者进行私法救济成为我国法律保护广大投资者的当务之急。本文针对银行理财产品出现的问题,详细分析其成因,结合我国现存的金融法律监管体系和民事赔偿责任理论,采取理论结合实践的实证分析方法,按照银行理财产品的类型对投资者权益保护的范围进行界定,对银行理财产品出现的法律问题进行研究、分析、论证,并针对其具体问题提出解决问题的建议,力图维护广大社会公众投资者的合法权益。同时,本文突破原有商业银行理财产品的研究框架,突出商业银行理财产品投资者权益保护的私法救济,力图通过私法体系,来确认投资者享有的权利,维护银行理财产品市场的稳定和广大投资者对金融资本市场的信心。全文包括导论、正文和结语等三部分,正文分为四个部分。第一部分是商业银行理财产品投资者概述,本章介绍了商业银行理财产品和银行理财产品投资者的概念,商业银行理财产品的类型,理财产品当事人关系,理财产品的法律属性,以及对银行理财产品投资者权益进行了界定,本部分的介绍为下面阐述银行理财产品侵权类型做了铺垫。第二部分对银行理财产品的侵权责任类型进行界定和区分。特别是对商业银行理财产品内部侵权和外部侵权进行区分,针对银行理财产品侵权,既追究商业银行自身的侵权责任,同时也追究商业银行以外的其他金融资本市场参与主体的侵权责任。第三部分探讨我国商业银行理财产品的法律保护机制问题。本部分在介绍银行理财产品法律规制现状的基础上分析了当前我国理财产品投资者权益保护的公法救济和私法救济现状,同时也介绍了外国在金融产品投资者保护方面的相关制度措施,为我国投资者权益保护提供借鉴。本章区分了银行理财产品投资者权益保护的公法救济和私法救济,重点介绍了投资者权益保护私法救济的优先性,为投资者权益保护的私法救济铺垫理论基础。第四部分首先介绍了我国银行理财产品私法救济的现状。其次,从立法完善的角度来强调商业银行理财产品投资者权益私法救济保护的重要性,本章从合同法和侵权责任法等相关制度出发,对银行理财产品违约责任和侵权责任进行区分,从合同违约损害赔偿和侵权损害赔偿出发,加强理财产品投资者权益保护的私法救济,维护广大社会投资者的合法权益和加强投资者对银行理财产品市场的信心,维护金融资本市场的稳定。
[Abstract]:With the development of the domestic financial services, financial products has gradually become the main field of domestic commercial banking products and services innovation. However, at present our country commercial bank financial products for the regulatory laws, regulations rarely, as the financial capital market in our country is gradually mature, the development of investment bank financial products is gradually on the rise, at the same time bank financial products also appear in a variety of legal issues, especially the problem of compensation for the commercial bank's financial product tort, legal blank, how to use the law of private law relief for investors to become China's legal protection of investors. In this paper, a pressing matter of the moment for the bank's financial products, a detailed analysis of its causes, combined with me China's existing financial legal supervision system and civil liability theory, take the empirical analysis method of combining theory with practice According to the type of financial products, the scope of the protection of investors' rights are defined. The research on Legal Problems of bank financial products analysis, demonstration, and puts forward suggestions to solve the problem in the light of the specific issues, in order to protect the public the legitimate rights and interests of investors. At the same time, this paper breaks the previous research framework of commercial bank financial products relief, outstanding financial products of commercial banks to protect investors' interests through private law, private law system, to confirm the rights of investors, maintain financial products market stability and investor confidence in the financial markets.
The full text includes three parts, the introduction, the text and the conclusion, and the text is divided into four parts.
The first part is an overview of commercial bank financial products investors, this chapter introduces the concept of commercial bank financial products and financial products investors, the types of commercial bank financial products, financial products between the parties, the legal attributes of financial products, and financial products investors are defined. This part paves the way for the following this type of bank financial products.
The second part defines and distinguishes the bank financial products is the type of tort liability. Especially to distinguish the financial products of commercial bank internal and external infringement infringement, according to bank financial products is infringement, tort liability of commercial banks, but also other tort liability of financial capital market and commercial banks outside of the participants.
The third part discusses the legal protection of the financial products of commercial banks in China. The mechanism of this part based on the introduction of present situation of legal regulation of financial products on the analysis of the current relief Bank of China's financial products investors to protect the rights and interests of the public and private law remedies in the status quo, and foreign financial products in terms of investor protection related regulations and measures are also introduced, for reference in order to protect the rights and interests of investors in China. This chapter distinguishes the relief of financial products to protect investors' interests public relief and private relief, focuses on the priority of the protection of investors' rights in private law, lay the theoretical foundation for the protection of investors' rights and interests of the private law relief.
The fourth part introduces the current situation of the relief of financial products in China private law. Secondly, from the angle of perfecting legislation of commercial bank financial products to emphasize the importance of protecting the rights and interests of investors of private relief, of this chapter from the contract law and tort law system, to distinguish bank financial products from the liability for breach of contract and tort liability. Breach of contract damages and damages for infringement of financial products, strengthen investor protection law remedies, safeguard the legitimate rights and interests of investors and strengthen social investors in the bank's financial products market confidence, to maintain financial stability in the capital markets.

【学位授予单位】：江西财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.2

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