我国私人银行业务存在的主要法律问题及对策

发布时间：2018-10-14 14:01

【摘要】：金融是现代经济的核心，私人银行业务是银行等金融机构众多业务中最高端的理财服务之一，它对社会经济生活有着显著的影响，在国民经济中居于十分重要的地位。私人银行业务在国外的发展已有数百年的历程，它是国际商业银行核心业务和利润增长的重要来源。在我国，近几年随着我国经济的持续稳定健康发展，富裕阶层的人数也在增多，这为私人银行业务带来了发展契机和广阔的空间。只有依靠有效的银行监管，充分发挥银行监管的作用，才能确保私人银行市场的稳定。因此，，必须把私人银行监管置于法律的框架下，才能发挥它应有的作用。本文第一部分对私人银行业务进行了概述，分析了私人银行的起源发展，界定了私人银行业务的定义和特点，区分了私人银行业务与其他银行业务的不同，并同时介绍了私人银行业务在国内外发展的现状；第二部分结合国内外实践从法学领域分析了关于私人银行业务的法律关系的争议，把我国私人银行业务的法律关系界定为信托；第三部分分析了私人银行业务发展中存在的主要法律问题；第四部分对瑞士、美国和新加坡的私人银行业务监管立法分别进行了现状分析，然后通过比较归纳得出我国可以借鉴的宝贵经验；第五部分笔者针对以上我国私人银行业务存在的法律问题，在借鉴其他国家经验的基础之上对完善我国私人银行业务法律规制提出了立法建议。
[Abstract]:Finance is the core of modern economy, and private banking is one of the most advanced financial services in banking and other financial institutions. It has a significant impact on social and economic life and occupies a very important position in the national economy. Private banking has been developing in foreign countries for hundreds of years. It is an important source of core business and profit growth of international commercial banks. In China, with the sustained, stable and healthy development of our economy in recent years, the number of rich people is also increasing, which brings the development opportunity and broad space for the private banking business. Only by relying on effective bank supervision and giving full play to the role of bank supervision can the stability of private banking market be ensured. Therefore, private bank supervision must be placed under the legal framework to play its due role. The first part of this paper gives an overview of private banking, analyzes the origin and development of private banking, defines the definition and characteristics of private banking, and distinguishes private banking from other banking businesses. At the same time, it introduces the current situation of the development of private banking business at home and abroad. The second part analyzes the disputes about the legal relationship of private banking business from the legal field of law combined with the practice at home and abroad. The third part analyzes the main legal problems existing in the development of private banking business. The fourth part is about Switzerland, the legal relationship of private banking business in China is defined as trust; the third part analyzes the main legal problems existing in the development of private banking business. The current situation of the private banking supervision legislation in the United States and Singapore is analyzed respectively, and then the valuable experience of our country can be drawn through comparison. The fifth part aims at the legal problems existing in the private banking business of our country. Based on the experience of other countries, this paper puts forward legislative suggestions to perfect the legal regulation of private banking in China.
【学位授予单位】：山西财经大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：D922.28;F832.2

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