我国商业银行个人理财法律问题研究.pdfVIP

摘 要 我国的银行个人理财业务在 20 世纪 90 年代才进入萌芽阶段，与发达国家相 比发展历程非常短暂。但是，随着 国居民个人财富水平的增长和个人财富意识 的觉醒，以及各商业银行对中间业务的愈加重视，人们在保证了基本生活质量的 同时，越来越关注如何能让资产保值增值。 国个人理财业务进入了飞速发展的 阶段，业务规模不断扩大，理财产 不断创新，成为资本市场一种非常重要的投 资手段。 然而，跟金融创新中出现的其他新兴业务和产品一样，银行个人理财在发展 并走向成熟的过程中也面临着诸多困境和问题。纠纷风波使人们对个人理财产 产生了前所未有的质疑和非议，风险揭示不足以及欺诈等问题引发了客户的大量 投诉，各商业银行之间为此展开了大量不当竞争等。因而如何通过完善法律制度 来规范个人理财业务，切实保护消费者的利益已经成为急需解决的问题。在这一 背景下，本文从 国商业银行个人理财的基本理论出发，通过对个人理财法律关 系 质的界定和分析个人理财法律纠纷的类型及原因，并在借鉴美国商业银行理 财法律规范的经验上，提出了 国商业银行个人理财法律规制的构想，包括实体 和程序法方面的法律法规体系的完善；构建以诉讼为主导的多元化纠纷解决机制； 银行理财个人投资者知情权的保护；并在最后对司法所能介入银行理财纠纷的限 度进行了反思。 【关键词】银行个人理财 银行信息披露 风险揭示义务 金融消费者保护 1 Abstract Chinas Bank Personal Financial Services in the 1990s before entering the embryonic stage, the development process is very short compared with developed countries. But, with the level of growth of residents personal wealth and individual wealth consciousness, as well as all commercial banks pay more attention to the middle of the business, people in ensuring a basic quality of life while, increasingly concerned about how to make the asset increasing the value of. Personal Financial Services in China has entered a stage of rapid development ， become a very important means of investment in capital market. However，as with other emerging business of financial innovation and product, personal Financing faces many difficulties and problems in the development and maturing process. Disputes storm on personal finance products generated an unprecedented questioning and criticism, the risk of revealing the lack of fraud and other problems caused by the large number of complaints, among commercial banks for this started a lot of unfair competition and other. And thus how to improve the legal system t