我国商业银行个人理财业务法律风险及其防范研究
发布时间：2018-10-05 09:15
【摘要】：商业银行个人理财业务在属性上应当划归商业银行的中间业务，是商业银行在传统银行业务盈利能力下降的情况下，面对生存和市场竞争的双重压力下所进行的零售银行业务的创新。商业银行个人理财业务不仅能使商业银行稳定客户基础，提高商业银行的竞争实力，也能实现居民个人及家庭资产的保值增值。但不容忽视的是，商业银行在开展此项业务过程中面临的法律风险成为制约其发展的主要瓶颈。但是商业银行在开展此项业务过程中面临的法律风险已成为其发展道路上的一大障碍。论文以商业银行个人理财业务的基础理论为切入点，针对我国商业银行个人理财业务在市场准入、产品开发设计、产品宣传销售以及产品售后等环节存在的法律风险，，深入探析了我国商业银行个人理财业务法律风险的成因；在借鉴发达国家和地区商业银行个人理财业务法律风险防范对策的基础上，提出我国商业银行个人理财业务法律风险的防范之道在于针对法律风险的成因采取相应的对策。
[Abstract]:The commercial bank's personal financial management business should be classified as the intermediary business of the commercial bank in terms of its attribute. It is the case that the commercial bank's profitability of the traditional banking business is declining, The innovation of retail banking business under the double pressure of survival and market competition. The personal financial business of commercial banks can not only stabilize the customer base of commercial banks, improve the competitive strength of commercial banks, but also maintain and increase the value of personal and household assets. However, it can not be ignored that the legal risks faced by commercial banks in the process of carrying out this business become the main bottleneck restricting their development. However, the legal risks faced by commercial banks in the course of carrying out this business have become a major obstacle to their development. Based on the basic theory of personal finance business of commercial banks, this paper aims at the legal risks in market access, product development and design, product promotion and sales, and after sale of products in China's commercial banks. This paper probes into the causes of the legal risk of personal financial management business of commercial banks in China, and on the basis of drawing lessons from the legal risk prevention measures of personal financial management business of commercial banks in developed countries and regions, This paper puts forward that the prevention of the legal risk of personal financial management of commercial banks in China lies in taking corresponding countermeasures against the causes of legal risks.
【学位授予单位】：中国石油大学（华东）
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281;F832.2
本文编号：2252831
[Abstract]:The commercial bank's personal financial management business should be classified as the intermediary business of the commercial bank in terms of its attribute. It is the case that the commercial bank's profitability of the traditional banking business is declining, The innovation of retail banking business under the double pressure of survival and market competition. The personal financial business of commercial banks can not only stabilize the customer base of commercial banks, improve the competitive strength of commercial banks, but also maintain and increase the value of personal and household assets. However, it can not be ignored that the legal risks faced by commercial banks in the process of carrying out this business become the main bottleneck restricting their development. However, the legal risks faced by commercial banks in the course of carrying out this business have become a major obstacle to their development. Based on the basic theory of personal finance business of commercial banks, this paper aims at the legal risks in market access, product development and design, product promotion and sales, and after sale of products in China's commercial banks. This paper probes into the causes of the legal risk of personal financial management business of commercial banks in China, and on the basis of drawing lessons from the legal risk prevention measures of personal financial management business of commercial banks in developed countries and regions, This paper puts forward that the prevention of the legal risk of personal financial management of commercial banks in China lies in taking corresponding countermeasures against the causes of legal risks.
【学位授予单位】：中国石油大学（华东）
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.281;F832.2
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