涉外理财产品相关问题分析.pdfVIP

A b s tra c t A ccom pany w ith th e econom ic grow ing and financia l m arket deve lop ing , th ere is a va st d em a nd for p erso na l w ea lth m a nagem en t. It is a trend and a lso inevitab le in financ ia l m arket reform . D ue to its h igh profits and the trad itiona l ba nk ing bu siness secto rs stating in a re lative saturatio n , w ea lth m an ag em ent m a rket is filled w ith so m a ny co m m ercia l b anks. A lm o st a ll of them w a nt to grab a m arg in from th is sp ecific area, w h ich at the sam e tim e lea d s to a flourish in g m arket. S ince w ea lth m a nag em ent m arket is such a new area , it is lack ing of regu latio ns to be com p lied w ith . W ithout regu latio ns, the m arket has m any prob lem s, such a s com petition d isordering , inve stors co u ld not be w e ll protected etc . In 2008 ，during th e financ ia l crisis m a ny dom estic investors suffered a d evastating lo ss throu gh the ir investm ent in a w e a lth m an ag em ent produ ct nam ed K n o ck O ut D isco un t A ccu m u lato r w h ich is so ld b y com m erc ia l b a n ks in H ong K o ng . A ltho ug h they used d ifferent w a ys try to recla im the ir lo ss, it seem ed like no t that ea sy. T h is a rtic le fo cu se s o n so m e issu es refer to co ntra ct o f p e rso na l w ea lth m ana gem ent p ro du ct. T hrou gh a n a lyz ing th e featu re s of fin ancia l de riva tive s and a ccum u la to r, th e m o ra l risk of p erso nn e l in p rivate b a n k ing a n d its preve ntio n , risk m a na g em e nt of the investors, ov erla p of lia b ility fo r b re ach o f co n tra ct a n d lia b ility fo r to rt a nd ju risd ictio n of th e co u rt, try in g to fin d a w a y fo r a b etter p ro te ctio n of in ve sto rs a n d a be tter d ev e lop m en t of th e w ea lth m a na g e m e nt m a rket. K ey w o rd s :F o re i