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  本文關鍵詞：商業(yè)銀行理財產(chǎn)品的法律問題研究　出處：《內(nèi)蒙古大學》2010年碩士論文　論文類型：學位論文

  更多相關文章： 銀行 理財產(chǎn)品 法律關系 法律問題

【摘要】： 目前我國對于商業(yè)銀行理財產(chǎn)品監(jiān)管的法律、法規(guī)很少,隨著商業(yè)銀行理財產(chǎn)品規(guī)模的擴大和理財產(chǎn)品的創(chuàng)新,金融市場上出現(xiàn)了各種各樣的法律問題,針對出現(xiàn)的法律問題,本文詳細分析其成因,并采取理論研究結(jié)合案例分析方法,按照銀行理財產(chǎn)品的類型界定其法律關系,對理財產(chǎn)品出現(xiàn)的法律問題進行研究、分析、論證,并提出解決問題的建議,以企對該業(yè)務的良性發(fā)展有所幫助。同時本文突破原有商業(yè)銀行理財產(chǎn)品的研究框架,提出金融業(yè)分業(yè)體制下允許銀行開展個別信托之觀點,在明確理財產(chǎn)品法律關系的前提下,可以防范和規(guī)避銀行理財產(chǎn)品的諸多法律問題。 全文包括前言、正文和結(jié)語等三部分,正文分為五個部分 第一部分是商業(yè)銀行理財產(chǎn)品概述,本章介紹了商業(yè)銀行理財產(chǎn)品的概念,以及商業(yè)銀行理財產(chǎn)品的類型,不同類型的理財產(chǎn)品基礎法律關系不同,本部分的介紹為下面闡述銀行理財產(chǎn)品法律關系做了鋪墊。 第二部分對銀行理財產(chǎn)品的基礎法律關系進行剖析,特別是針對備受爭議的非保本浮動收益型理財產(chǎn)品法律關系進行分析論證,理論界對銀行理財產(chǎn)品法律關系存在“委托論”和“信托論”兩種觀點,本部分通過相關的概念辨析,指出銀行理財產(chǎn)品中銀行與投資者的關系按照現(xiàn)行法律應為委托關系。 第三部分探討我國商業(yè)銀行理財產(chǎn)品存在的法律問題。本部分在介紹銀行理財產(chǎn)品法律規(guī)制現(xiàn)狀的基礎上分析了當前我國理財產(chǎn)品在相關法律、法規(guī)存在矛盾,以及理財產(chǎn)品規(guī)范化操作方面存在的法律問題,并歸納產(chǎn)生這些問題的主要原因。 第四部分從立法角度和理財產(chǎn)品規(guī)范化操作方面提出解決銀行理財產(chǎn)品法律關系不清、產(chǎn)品設計缺陷、風險提示不足等法律問題的法律建議,力求完善我國商業(yè)銀行理財產(chǎn)品的相關法律制度。 第五部分進一步闡述完善銀行理財產(chǎn)品法律關系之舉措,提出金融業(yè)分業(yè)體制下允許銀行開展個別信托的觀點,這樣可以提高銀行作為信托受托人的法律義務,以利于解決銀行理財產(chǎn)品法律問題。
[Abstract]:At present, there are few laws and regulations on the supervision of financial products of commercial banks. With the expansion of the scale of financial products of commercial banks and the innovation of financial products, a variety of legal problems appear in the financial market. In view of the legal problems, this paper analyzes its causes in detail, and takes the theoretical study combined with the case analysis method, according to the types of banking financial products to define its legal relationship. The legal problems of financial products are studied, analyzed, demonstrated, and suggestions to solve the problems are put forward. At the same time, this paper breaks through the research framework of the original commercial banks' financial products, and puts forward the viewpoint of allowing banks to carry out individual trusts under the separate financial industry system. On the premise of clear legal relationship of financial products, many legal problems of bank financial products can be prevented and avoided. The full text consists of three parts: the preface, the text and the conclusion. The text is divided into five parts The first part is an overview of the financial products of commercial banks, this chapter introduces the concept of financial products of commercial banks, as well as the types of financial products of commercial banks, different types of financial products basic legal relationship. The introduction of this part lays the groundwork for the following elaboration of the legal relationship of banking financial products. The second part analyzes the basic legal relationship of banking financial products, especially for the controversial legal relationship of non-capital preservation floating income financial products. There are two views on the legal relationship of banking financial products in the theoretical circle: "entrustment theory" and "trust theory". It is pointed out that the relationship between banks and investors in banking products should be entrusted according to the current law. The third part discusses the legal problems existing in the financial products of commercial banks in China. This part analyzes the relevant laws of financial products in China on the basis of introducing the current legal regulation of banking financial products. There are contradictions in laws and regulations, as well as legal problems in the standardization of financial management products, and the main reasons for these problems are summarized. Part 4th from the perspective of legislation and standardized operation of financial products to solve the legal relationship of banking financial products unclear, product design defects, insufficient risk tips and other legal issues of legal advice. Strive to improve our commercial banks financial products related to the legal system. Part 5th further expounds the measures to improve the legal relationship of banking financial products, and puts forward the viewpoint of allowing banks to carry out individual trusts under the separate financial industry system. In this way, the legal obligation of the bank as the trustee of the trust can be improved, and the legal problems of the bank's financial products can be solved.
【學位授予單位】：內(nèi)蒙古大學
【學位級別】：碩士
【學位授予年份】：2010
【分類號】：D922.28

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本文編號：1391490