商业银行理财产品的法律问题研究

发布时间：2018-01-07 07:06

本文关键词：商业银行理财产品的法律问题研究　出处：《内蒙古大学》2010年硕士论文　论文类型：学位论文

【摘要】： 目前我国对于商业银行理财产品监管的法律、法规很少,随着商业银行理财产品规模的扩大和理财产品的创新,金融市场上出现了各种各样的法律问题,针对出现的法律问题,本文详细分析其成因,并采取理论研究结合案例分析方法,按照银行理财产品的类型界定其法律关系,对理财产品出现的法律问题进行研究、分析、论证,并提出解决问题的建议,以企对该业务的良性发展有所帮助。同时本文突破原有商业银行理财产品的研究框架,提出金融业分业体制下允许银行开展个别信托之观点,在明确理财产品法律关系的前提下,可以防范和规避银行理财产品的诸多法律问题。全文包括前言、正文和结语等三部分,正文分为五个部分第一部分是商业银行理财产品概述,本章介绍了商业银行理财产品的概念,以及商业银行理财产品的类型,不同类型的理财产品基础法律关系不同,本部分的介绍为下面阐述银行理财产品法律关系做了铺垫。第二部分对银行理财产品的基础法律关系进行剖析,特别是针对备受争议的非保本浮动收益型理财产品法律关系进行分析论证,理论界对银行理财产品法律关系存在“委托论”和“信托论”两种观点,本部分通过相关的概念辨析,指出银行理财产品中银行与投资者的关系按照现行法律应为委托关系。第三部分探讨我国商业银行理财产品存在的法律问题。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在相关法律、法规存在矛盾,以及理财产品规范化操作方面存在的法律问题,并归纳产生这些问题的主要原因。第四部分从立法角度和理财产品规范化操作方面提出解决银行理财产品法律关系不清、产品设计缺陷、风险提示不足等法律问题的法律建议,力求完善我国商业银行理财产品的相关法律制度。第五部分进一步阐述完善银行理财产品法律关系之举措,提出金融业分业体制下允许银行开展个别信托的观点,这样可以提高银行作为信托受托人的法律义务,以利于解决银行理财产品法律问题。
[Abstract]:At present, there are few laws and regulations on the supervision of financial products of commercial banks. With the expansion of the scale of financial products of commercial banks and the innovation of financial products, a variety of legal problems appear in the financial market. In view of the legal problems, this paper analyzes its causes in detail, and takes the theoretical study combined with the case analysis method, according to the types of banking financial products to define its legal relationship. The legal problems of financial products are studied, analyzed, demonstrated, and suggestions to solve the problems are put forward. At the same time, this paper breaks through the research framework of the original commercial banks' financial products, and puts forward the viewpoint of allowing banks to carry out individual trusts under the separate financial industry system. On the premise of clear legal relationship of financial products, many legal problems of bank financial products can be prevented and avoided. The full text consists of three parts: the preface, the text and the conclusion. The text is divided into five parts The first part is an overview of the financial products of commercial banks, this chapter introduces the concept of financial products of commercial banks, as well as the types of financial products of commercial banks, different types of financial products basic legal relationship. The introduction of this part lays the groundwork for the following elaboration of the legal relationship of banking financial products. The second part analyzes the basic legal relationship of banking financial products, especially for the controversial legal relationship of non-capital preservation floating income financial products. There are two views on the legal relationship of banking financial products in the theoretical circle: "entrustment theory" and "trust theory". It is pointed out that the relationship between banks and investors in banking products should be entrusted according to the current law. The third part discusses the legal problems existing in the financial products of commercial banks in China. This part analyzes the relevant laws of financial products in China on the basis of introducing the current legal regulation of banking financial products. There are contradictions in laws and regulations, as well as legal problems in the standardization of financial management products, and the main reasons for these problems are summarized. Part 4th from the perspective of legislation and standardized operation of financial products to solve the legal relationship of banking financial products unclear, product design defects, insufficient risk tips and other legal issues of legal advice. Strive to improve our commercial banks financial products related to the legal system. Part 5th further expounds the measures to improve the legal relationship of banking financial products, and puts forward the viewpoint of allowing banks to carry out individual trusts under the separate financial industry system. In this way, the legal obligation of the bank as the trustee of the trust can be improved, and the legal problems of the bank's financial products can be solved.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D922.28

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