我国私人银行业务的法律风险及其防范.docVIP

我国私人银行业务的法律风险及其防范 摘 要 私人银行业务在国外已有数百年的发展历程,目前正成为国内商业银行竞相 开展的业务。与其他金融业务一样,伴随私人银行业务而来的,也有复杂多变的 法律风险。本文旨在剖析我国私人银行业务存在的法律风险并探讨风险防范之策 略。当前我国私人银行业务面临着环境法律风险与操作性法律风险的双重困扰: 监管法律体系尚不健全,分业经营的政策限制,市场准入标准仍未建立,金融隐 私权与反洗钱、个人信用等法律制度之间存在冲突,国际合作与协调监管不足以 及商业银行内部防控机制不合理等。为了推动私人银行业务健康有序地发展,应 当健全相应的监管法律法规,推进混业经营模式的实行,统一市场准入标准,完 善反洗钱、金融隐私权与个人信用等法律制度,加强国际合作与协调监管,同时 调整商业银行风险管理内部架构与职责分工。关键词:私人银行业务 法律风险 防范策略 I Abstract Overseas, private banking business has been hundreds of years of history. In recent years, commercial banks compete to offer domestic and fierce competition in the emerging business. Like other financial services, there are a number of legal risks in private banking business. The purpose of this article is to analyze the main legal risks of private banking business in China and to propose risk prevention strategiesPrivate banking business in China is facing double problems: external environmental risk and operational risk, as follows:a the lack of sound regulatory legal system, b compliance risks in the separate operation mode, c the lack of market access standards, d conflicts among the stipulations about money laundering crime, confidentiality of customer and personal credit system, e the lack of internal control mechanism as well as international cooperation and coordination. To promote the healthy and orderly development of private banking business, the risk prevention strategies should be taken into consideration, which include: a improving laws and regulations, b putting mixed operation mode into practice, c establishing market access standards, d consummating anti-money laundering law, the systems of financial privacy and personal credit, e strengthening international cooperation and coordination, f forming sound internal control mechanism Key words: private banking business legal risks prevention strategiesII 目 录 摘要 Ⅰ AbstractⅡ 第 1章 绪论1 1.1研究目的与意义..1 1.2研究方法..1 1.3研究框架..2 第 2章 私人银行业务基础分析.3 2.1私人银行的界定及其特点.3 2.1.1私人银行的