商业银行个人理财的法律规制研究内容摘要内容摘要.docVIP

商业银行个人理财的法律规制研究 内 容 摘 要 内 容 摘 要 随着我国商业银行个人理财业务规模的扩大和理财产品的创新，金融市场上出现了各种各样的法律问题。针对这些问题，本文详细分析其成因，并采用比较研究方法，对美、德、日等国商业银行个人理财业务的法律监管体系进行分析，以寻求更为有效的法律制度来解决我国相关机构在对该类业务的法律监管中所遇到的问题。同时，笔者在明确商业银行个人理财业务概念的基础上，突破原有商业银行个人理财业务的研究框架，从多个角度对商业银行个人理财业务的监管方式及相关制度的构建进行了探究。 全文包括前言、正文和结语等三部分，正文分为四章： 第一章是商业银行个人理财业务概述及对其法律规制的意义。本章在介绍了商业银行个人理财业务的概念、发展、特征、法律关系的性质以及法律风险之后，分析了对其法律规制的意义。 第二章探讨我国商业银行个人理财业务法律规制的现状和存在的问题。本章在介绍个人理财业务法律规制现状的基础上，分析了当前我国在此方面存在的问题，并归纳产生这些问题的主要原因。 第三章是域外商业银行个人理财业务法律规制的比较和借鉴。本章介绍了美国、德国、日本等国家对商业银行个人理财业务法律规制的制度，在此基础上得出对我国的启示。 第四章是对我国商业银行个人理财业务法律规制的完善提出具体建议。本章从保护投资者利益角度出发，结合我国现行监管制度的特点，对商业银行个人理财业务法律规制的相关问题，进行了较为系统的研究，力求完善我国商业银行个人理财业务的相关制度。 关键词：个人理财；法律关系 ；法律规制 商业银行个人理财的法律规制研究 ABSTRACT ABSTRACT As the enlarging of the commercial bank private financing business’ scale and the innovation of the financing product in china, there were all kinds of legal matters in the financial market. To seeking the more efficient legal system to deal with the problems which CBRC (The China Banking Regulatory Commission) are facing when it supervises the commercial bank private financing business, this paper analyzes in detail the reasons for the matters and uses the comparison research technique to study the legal regulation system of the commercial bank private financing business in America, Germany and Japan. After the author defined the concept of the commercial bank private financing business, she broke through the old research framework, and studied many aspects of the commercial bank private financing business’ supervision method and the foundation of the related system. This paper is divided into three parts: preface, body (which includes four chapters) and conclusion. Chapter 1 is the summary of the commercial bank private financing business, and the meaning of the legal regulation on the business. It introduced the definition, development, legal relationship’s attribute and legal risks of the commercial bank private financing business, then analyzed the meaning of the legal regulati