银行个人理财产品的创新与法律监管制度研究

发布时间：2018-03-24 23:16

本文选题：个人理财产品　切入点：创新　出处：《哈尔滨工程大学》2012年硕士论文

【摘要】：随着我国社会主义市场经济的高速发展，国民对于理财的需求日益迫切，银行个人理财产品的发行呈爆发性增长态势，市场竞争日益激烈。在这激烈的理财市场竞争中，理财产品创新成为各个商业银行的工作重点，也使得理财市场空前繁荣。然而在这繁荣背后由于创新所带来的监管问题也不应被忽视，例如在信息披露、风险预警机制和分业监管所带来的协调问题等方面都存在着不程度的监管不足或监管空白。所以本文以银行个人理财产品的创新作为切入点，结合我国的社会主义市场经济特色，借鉴发达国家对银行个人理财产品的监管经验，深入分析和总结个人理财产品创新与监管的博弈关系，为建立和完善我国金融市场提出建议和制度构想。本文共分为五个章节，第一章是绪论部分，主要是对研究的背景、目的和意义进行阐述，并对阅读的相关文献进行综述。第二章对银行个人理财产品的相关基础内容进行概述。内容主要包括区分银行个人理财产品的定义，银行个人理财产品的分类和在我国的发展现状等。本章的写作目的是由于在我国银行个人理财产品起步较晚，对于理财产品的概念也十分模糊，所以通过对个人理财产品基础内容的全面分析，为展开后文的论述打下良好基础。第三章是国外对银行个人理财产品监管制度的研究很借鉴。发达国家对于银行个人理财行业的发展较早，监管经验也十分丰富。我国发展个人理财业务比较晚，可以说是近二十年的事前，对其监管而言就更显稚嫩，所以通过对外国理财市场监管的比较分析，可以为建立中国特色的个人理财监管制度寻求一条更为便捷的道路。第四章重点分析了我国银行个人理财产品创新的现状和存在的监管问题。从银行个人理财产品创新的目的、意义和方法入手，深刻总结我国立法现状，找出存在的监管缺失和可能产生的不良影响。最后一章寻求用博弈学基础原理分析创新和监管之间的互动关系，，从根本的制度设计出发，分析如何在监管的过程中既能保证市场平又有不抹煞银行业对创新的积极性，同时提出监管制度完善的路径与方法。
[Abstract]:With the rapid development of socialist market economy in China, the demand for financial management is becoming increasingly urgent. The issuance of personal financial products of banks is in an explosive growth trend, and the market competition is becoming increasingly fierce. In this fierce financial market competition, Financial product innovation has become the focus of various commercial banks, and has made the financial management market unprecedented prosperous. However, the regulatory problems brought about by innovation behind this boom should not be ignored, for example, in the disclosure of information. The risk warning mechanism and the coordination problems brought about by the separate supervision have no degree of inadequate supervision or regulatory blank. Therefore, this paper takes the innovation of personal financial products of banks as the starting point. Based on the characteristics of socialist market economy in China and the experience of the developed countries in the supervision of bank personal financial products, this paper analyzes and summarizes the game relationship between the innovation of personal financial products and the supervision. In order to establish and improve the financial market in China put forward suggestions and institutional ideas. This paper is divided into five chapters, the first chapter is the introduction, mainly to the background, purpose and significance of the study, and to review the relevant literature. The second chapter summarizes the basic contents of bank personal financial products, including the definition of bank personal financial products. The purpose of this chapter is that the personal financial products of banks start late in China, and the concept of financial products is also very vague. Therefore, through the overall analysis of the basic content of personal finance products, lay a good foundation for the following discussion. The third chapter is the foreign research on the supervision system of bank personal finance products. The developed countries developed the banking personal finance industry earlier, and the supervision experience is also very rich. It can be said that in the past twenty years, it is more immature for its supervision, so through the comparative analysis of the supervision of foreign financial markets, we can find a more convenient way to establish the supervision system of personal finance with Chinese characteristics. The fourth chapter focuses on the analysis of the current situation and existing supervision problems of personal financial product innovation in China's banks, starting with the purpose, significance and methods of bank personal finance product innovation, and summarizing the current legislative situation of our country deeply. Identify regulatory deficiencies and possible adverse effects. The last chapter seeks to analyze the interactive relationship between innovation and supervision with the basic principles of game theory, and from the basic system design, analyzes how to ensure the market level and not obliterate the enthusiasm of the banking industry for innovation in the process of supervision. At the same time, it puts forward the ways and methods to perfect the supervision system.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.281;F832.2

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