商业银行个人理财业务中的信息披露义务研究

发布时间：2018-05-24 23:44

本文选题：商业银行 + 个人理财业务　；参考：《西南政法大学》2015年硕士论文

【摘要】：近年来,随着国家政策的不断实行,经济发展向着更好更快的方向不断发展,我国居民物质生活水平得到提高的同时,人们为了追求资金的更大化,越来越关注理财业务,更关心对财富如何管理使资金更大化升值。金融理财市场不断发展,2013年新消费者权益保护法及一系列相关法律法规的颁布实行,对我国金融理财业务领域有了现实性的发展。然而在经济市场化大背景下,我国银行个人理财业务市场的发展仍然需要以政府为主导对银行商业主体的调控,通过宏观调控来,规范银行主体行为,防范银行商业风险,从根本上促进银行个人理财业务市场的健康发展。商业银行个人理财业务的发展需要我们不断探索经验教训,发展商业银行个人理财业务,繁荣理财产品市场,从而促进我国经济的更好更快的发展,改善人们的生活质量。本文尝试对银行个人理财业务信息披露制度进行系统分析,同时通过研究分析国外理财业务市场发展成熟国家的银行个人理财业务信息披露制度,借鉴其经验,学习并利用其有效途径,发展我国银行理财业务,提出相关我国理财业务信息披露制度发展方向。具体来说,本文共分为四个部分。第一部分,是对银行个人理财业务的的相关概念、基础规范等的一般介绍。在这部分中,介绍了银行个人理财产品、个人理财业务的等相关概念,为之后的问题的分析等研究作基础,第二节分别介绍了商业银行理财产品信息披露制度的经济理论和法律规范。第三节是对商业银行信息披露的风险分析。第二部分,对我国银行理财业务信息披露制度的法律法规的考察,以及在此基础上对我国现存的个人理财业务信息披露制度的问题进行分析。介绍了我国近些年来颁布的有关信息披露制度方面的法律、规范性文件等,并分析我国银行理财产品信息披露制度在实践中出现的一些理论与实际差距问题,包括在法律规范、制度设计、监管、责任方面的一些问题。第三部分,分析国外在金融理财业务中信息披露制度的法律规范、相关制度、监管、责任等方面,并通过对美国、英国和日本实践经验的梳理,分析他们的共同之处,得出了一些启示与借鉴,为我国银行理财业务信息披露制度的完善提供建议。第四部分,完善我国银行个人理财业务信息披露义务制度的相关建议。在分析研究前几部分的基础上,从我国现存相关法律制度、制度本身等方面出发,借鉴国外先进的经验教训,包括在制度设计等方面的对我国有学习借鉴意义的一些途径,提出了我国在银行理财业务信息披露制度的未来发展道路上值得学习借鉴的途径。
[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.
【学位授予单位】：西南政法大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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