银行理财产品分类监管法律问题研究

发布时间：2019-04-03 21:05

【摘要】：我国银行理财产品监管是一个“法律交叉”问题,既涉及银行业务监管,又涉及信托性质监管。“分业经营”对应“分业监管”的模式下,理财产品内涵外延不一致,监管标准不统一。应走功能监管路径,加强监管协调性,在平衡银行理财产品创新性和法律监管稳定性的基础上,采用分类监管思想。银行理财系统风险性决定了分类监管必须遵循效审慎稳健监管的根本原则,银行理财的准公共产品性决定了分类监管必须建立在统一监管框架下,适合性监管原则是分类监管的思想根源,分类监管是适合性监管原则在具体工作中的体现。银行理财分类监管应坚持依法、公开公正、效率原则；统一监管,科学分类原则；区别对待,差别监管原则；平衡创新性和稳定性,适时调整原则。在具体实施方面,银行理财分类监管可以按照参与理财的主体、是否承诺收益、银行理财的管理方式、银行理财标的物、理财产品的风险等级、经营机构的规模、投资者投资能力、风险承受能力等进行分类监管,确立投资者资格监管、经营者准入监管、风险隔离监管、风险等级监管、银行转信托备案监管、透明度监管等监管措施,建设理性投资者和理性投资文化,推动银行理财监管的专业化,提高银行理财监管的有效性。从方法论角度看,银行理财产品分类监管,也是一种监管的工作方法,是银行理财监管的创新。总之,银行理财产品分类监管,是根据银行理财产品的风险特征、现实及发展状况等,为实现金融监管职能和目标所实施的在监管方法、监管措施、监管目标、监管效果上各有侧重的监管模式和监管方法,制定一个《银行理财产品分类监管规定》未尝不可。
[Abstract]:The supervision of banking financial products in China is a cross-issue of law, which involves not only the supervision of banking business, but also the supervision of the nature of trust. Under the mode of "separate operation" corresponding to "separate supervision", the connotation and extension of financial management products are inconsistent, and the supervision standards are not uniform. We should take the path of functional supervision, strengthen the coordination of supervision, and adopt the idea of classified supervision on the basis of balancing the innovation of banking financial products and the stability of legal supervision. The risk of banking financial management system determines that classification supervision must follow the fundamental principle of effective prudent and robust supervision, and the quasi-public property of bank financial management determines that classified supervision must be established under the unified regulatory framework. The principle of adaptive supervision is the ideological root of classified supervision, and classified supervision is the embodiment of the principle of adaptive supervision in concrete work. Bank financial management classification supervision should adhere to the principles of law, openness, justice and efficiency, unified supervision, scientific classification principle, differential treatment, differential supervision principle, balance innovation and stability, timely adjustment principle. In terms of specific implementation, the classified supervision of bank financial management can be based on the main body involved in financial management, whether or not to promise revenue, the management mode of bank financial management, the subject matter of bank financial management, the risk level of financial products, and the size of the operating institution. Investors' investment capacity, risk tolerance, and so on, shall be classified and supervised, and regulatory measures such as investor qualification supervision, operator access supervision, risk isolation supervision, risk grade supervision, bank transfer trust filing supervision, and transparency supervision shall be established. Build rational investors and rational investment culture, promote the specialization of banking financial supervision, improve the effectiveness of banking financial supervision. From the perspective of methodology, the classified supervision of banking financial products is also a kind of working method of supervision, and is the innovation of banking financial supervision. In a word, the classified supervision of banking financial products is based on the risk characteristics, reality and development status of banking financial products, and is implemented in the supervision methods, supervision measures, and supervision objectives in order to achieve the functions and objectives of financial supervision. There are different supervision modes and methods on the effect of supervision, so it is necessary to make a regulation on the classification of banking financial products.
【学位授予单位】：北方工业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D922.281

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