金融性资产管理业务法律问题研究

发布时间：2018-03-28 04:17

本文选题：金融性　切入点：资产管理　出处：《兰州大学》2015年硕士论文

【摘要】：金融性资产管理业务在金融实务中一般被称为“理财业务”、“代客理财”、“金融理财”、“委托理财”、“资产管理”或“财富管理”等。作为一项新兴的金融业务,在我国得到迅速发展,并且已经成为当前社会最为重要的理财方式之一。但是,由于法律法规的不完善和监管模式存在弊端等问题导致法律纠纷和理论争议不断,严重限制了我国金融性资产管理业务的深入发展。据此,以金融性资产管理业务在实务中常见的法律问题为研究对象具有重要意义。文章择取金融性资产管理业务实践中最常见以及最重要的几个法律问题,运用经验总结法、文献研究法进行分析研究。首先,基于概念不明确、不统一的问题,通过总结实际情况,概括金融性资产管理业务的特征和分类,探究金融性资产管理业务的内涵和外延,并尝试做出一个相对科学、清晰的界定。其次,通过查阅相关文献、对比相似的法律关系,认识了金融性资产管理业务的性质,主张金融性资产管理法律关系应该回归信托的法律本质。再次,对金融性资产管理业务在实务中经常引起纠纷的“保底条款”进行经验总结,并查找相关资料,认识到其不符合资产管理的本意,作出应该否定其效力的结论。最后,针对实践中我国金融性资产管理业务的投资者保护不够、资产管理人混乱和监管机构不统一等问题,查阅文献资料,思考如何实现金融性资产管理业务市场参与主体法律规制的规范化,并力图提出既具现实而又富有创新的解决思路。
[Abstract]:Financial asset management is generally called "financial management", "financial management", "financial management", "financial management", "entrusted financial management", "asset management" or "wealth management" in financial practice. As a new financial business, it has been developed rapidly in China. And has become one of the most important financial management methods in the current society. However, due to the imperfect laws and regulations and the defects of the regulatory model, legal disputes and theoretical disputes continue. Therefore, the further development of financial asset management business in China has been seriously restricted. It is of great significance to study the common legal problems in the practice of financial asset management. This paper selects the most common and most important legal issues in the practice of financial asset management, and applies the method of summing up experience. First of all, based on the problem of unclear concept and inconsistent concept, by summarizing the actual situation and summarizing the characteristics and classification of financial asset management business, this paper probes into the connotation and extension of financial asset management business. And try to make a relatively scientific, clear definition. Secondly, by consulting relevant literature, comparing the similar legal relationship, we know the nature of financial asset management business. The author holds that the legal relationship of financial asset management should return to the legal essence of trust. Thirdly, it summarizes the experience of the "bottom guarantee clause" which often causes disputes in the practice of financial asset management business, and looks for relevant information. Recognizing that it is not in line with the original intention of asset management and making a conclusion that its effectiveness should be denied. Finally, in view of the lack of investor protection in our financial asset management business in practice, the confusion of asset managers and the lack of unity of regulatory bodies, Referring to the literature, this paper discusses how to realize the standardization of the legal regulation of financial asset management business market participants, and tries to put forward both realistic and innovative solutions.
【学位授予单位】：兰州大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.28

【参考文献】