加强理财产品市场投资者权益保护的研究-公共管理专业论文.docxVIP

摘要 理财产品市场监管核心就是为了公平、公开、高效和公正地维护投资者的合 法权益，这样就能够全面促进理财市场的健康和可持续发展。最近几年，我国的 理财产品市场尽管取得了一些骄人的成绩，然而还存在理财产品法律关系不清 晰，保护投资者的合法权益和风险规制等还处在弱势地位。以我国商业银行个人 理财产品的业务发展为例，虽取得一定程度发展，然而业务在发展的过程中比较 偏重数量规模的扩展，从而忽视了个人理财产品的研发、理财服务质量、居民对 个人理财业务的切实需求及以客户为核心的理财服务等关系到个人理财业务长 远发展的影响因素，而理财业务发展的现状和问题中能够体现出理财产品市场中 较为严重的投资者的权益保护问题，从而引出加强对理财产品市场中投资者权益 保护的研究，本文借鉴国外对理财产品投资者权益保障的经验，以日本对投资者 的风险预警机制、澳大利亚“双峰”功能监管模式和德国银行混业经营的启示， 针对我国理财产品市场中投资者权益保护的现状和问题提出了改革性政策建议。 关键词：理财产品 投资者 权益保护 Abstract Financial product market regulation, the core is to be fair, open, efficient and fair to safeguard the legitimate rights and interests of investors, so that it can promote the health of the financial market in an all-round way and sustainable development. In recent years, our countrys financial product market although made some outstanding achievements, there are financial product legal relationship is not clear, however, protect the lawful rights and interests of investors and risk regulation is still in weak position. To our country commercial bank individual financing business development as an example, the age of development to a certain extent, but the business is in the process of the development of the number of lay particular stress on the expansion of the scale, which ignores the personal finance products research and development, the financial service quality, residents the real demand for personal financial management business and take the customer as the core of financial services related to the factors affecting the long-term development of personal financial business, and the present situation and problem of the financing business development can reflect financial product in the market is more serious in the investors rights and interests protection, thus lead to strengthen the protection of the rights and interests of investors in the financial product market research, in this paper, based on the experience of the foreign investor rights and interests safeguard of financial products, risk early warnin