本文關(guān)鍵詞： 銀行理財產(chǎn)品 投資者權(quán)益保護 私法 私法救濟　出處：《江西財經(jīng)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著國內(nèi)銀行理財服務(wù)的逐步發(fā)展,理財產(chǎn)品逐漸成為國內(nèi)商業(yè)銀行產(chǎn)品和服務(wù)創(chuàng)新的主要領(lǐng)域。但是,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,隨著我國金融資本市場的逐步成熟,銀行理財產(chǎn)品投資業(yè)務(wù)的發(fā)展逐漸繁榮起來,同時銀行理財產(chǎn)品也出現(xiàn)了各種各樣的法律問題,特別是商業(yè)銀行理財產(chǎn)品侵權(quán)損害賠償?shù)膯栴}上,出現(xiàn)法律空白,如何運用法律對廣大投資者進行私法救濟成為我國法律保護廣大投資者的當務(wù)之急。本文針對銀行理財產(chǎn)品出現(xiàn)的問題,詳細分析其成因,結(jié)合我國現(xiàn)存的金融法律監(jiān)管體系和民事賠償責(zé)任理論,采取理論結(jié)合實踐的實證分析方法,按照銀行理財產(chǎn)品的類型對投資者權(quán)益保護的范圍進行界定,對銀行理財產(chǎn)品出現(xiàn)的法律問題進行研究、分析、論證,并針對其具體問題提出解決問題的建議,力圖維護廣大社會公眾投資者的合法權(quán)益。同時,本文突破原有商業(yè)銀行理財產(chǎn)品的研究框架,突出商業(yè)銀行理財產(chǎn)品投資者權(quán)益保護的私法救濟,力圖通過私法體系,來確認投資者享有的權(quán)利,維護銀行理財產(chǎn)品市場的穩(wěn)定和廣大投資者對金融資本市場的信心。 全文包括導(dǎo)論、正文和結(jié)語等三部分,正文分為四個部分。 第一部分是商業(yè)銀行理財產(chǎn)品投資者概述,本章介紹了商業(yè)銀行理財產(chǎn)品和銀行理財產(chǎn)品投資者的概念,商業(yè)銀行理財產(chǎn)品的類型,理財產(chǎn)品當事人關(guān)系,理財產(chǎn)品的法律屬性,以及對銀行理財產(chǎn)品投資者權(quán)益進行了界定,本部分的介紹為下面闡述銀行理財產(chǎn)品侵權(quán)類型做了鋪墊。 第二部分對銀行理財產(chǎn)品的侵權(quán)責(zé)任類型進行界定和區(qū)分。特別是對商業(yè)銀行理財產(chǎn)品內(nèi)部侵權(quán)和外部侵權(quán)進行區(qū)分,針對銀行理財產(chǎn)品侵權(quán),既追究商業(yè)銀行自身的侵權(quán)責(zé)任,同時也追究商業(yè)銀行以外的其他金融資本市場參與主體的侵權(quán)責(zé)任。 第三部分探討我國商業(yè)銀行理財產(chǎn)品的法律保護機制問題。本部分在介紹銀行理財產(chǎn)品法律規(guī)制現(xiàn)狀的基礎(chǔ)上分析了當前我國理財產(chǎn)品投資者權(quán)益保護的公法救濟和私法救濟現(xiàn)狀,同時也介紹了外國在金融產(chǎn)品投資者保護方面的相關(guān)制度措施,為我國投資者權(quán)益保護提供借鑒。本章區(qū)分了銀行理財產(chǎn)品投資者權(quán)益保護的公法救濟和私法救濟,重點介紹了投資者權(quán)益保護私法救濟的優(yōu)先性,為投資者權(quán)益保護的私法救濟鋪墊理論基礎(chǔ)。 第四部分首先介紹了我國銀行理財產(chǎn)品私法救濟的現(xiàn)狀。其次,從立法完善的角度來強調(diào)商業(yè)銀行理財產(chǎn)品投資者權(quán)益私法救濟保護的重要性,本章從合同法和侵權(quán)責(zé)任法等相關(guān)制度出發(fā),對銀行理財產(chǎn)品違約責(zé)任和侵權(quán)責(zé)任進行區(qū)分,從合同違約損害賠償和侵權(quán)損害賠償出發(fā),加強理財產(chǎn)品投資者權(quán)益保護的私法救濟,維護廣大社會投資者的合法權(quán)益和加強投資者對銀行理財產(chǎn)品市場的信心,維護金融資本市場的穩(wěn)定。
[Abstract]:With the development of the domestic financial services, financial products has gradually become the main field of domestic commercial banking products and services innovation. However, at present our country commercial bank financial products for the regulatory laws, regulations rarely, as the financial capital market in our country is gradually mature, the development of investment bank financial products is gradually on the rise, at the same time bank financial products also appear in a variety of legal issues, especially the problem of compensation for the commercial bank's financial product tort, legal blank, how to use the law of private law relief for investors to become China's legal protection of investors. In this paper, a pressing matter of the moment for the bank's financial products, a detailed analysis of its causes, combined with me China's existing financial legal supervision system and civil liability theory, take the empirical analysis method of combining theory with practice According to the type of financial products, the scope of the protection of investors' rights are defined. The research on Legal Problems of bank financial products analysis, demonstration, and puts forward suggestions to solve the problem in the light of the specific issues, in order to protect the public the legitimate rights and interests of investors. At the same time, this paper breaks the previous research framework of commercial bank financial products relief, outstanding financial products of commercial banks to protect investors' interests through private law, private law system, to confirm the rights of investors, maintain financial products market stability and investor confidence in the financial markets.
The full text includes three parts, the introduction, the text and the conclusion, and the text is divided into four parts.
The first part is an overview of commercial bank financial products investors, this chapter introduces the concept of commercial bank financial products and financial products investors, the types of commercial bank financial products, financial products between the parties, the legal attributes of financial products, and financial products investors are defined. This part paves the way for the following this type of bank financial products.
The second part defines and distinguishes the bank financial products is the type of tort liability. Especially to distinguish the financial products of commercial bank internal and external infringement infringement, according to bank financial products is infringement, tort liability of commercial banks, but also other tort liability of financial capital market and commercial banks outside of the participants.
The third part discusses the legal protection of the financial products of commercial banks in China. The mechanism of this part based on the introduction of present situation of legal regulation of financial products on the analysis of the current relief Bank of China's financial products investors to protect the rights and interests of the public and private law remedies in the status quo, and foreign financial products in terms of investor protection related regulations and measures are also introduced, for reference in order to protect the rights and interests of investors in China. This chapter distinguishes the relief of financial products to protect investors' interests public relief and private relief, focuses on the priority of the protection of investors' rights in private law, lay the theoretical foundation for the protection of investors' rights and interests of the private law relief.
The fourth part introduces the current situation of the relief of financial products in China private law. Secondly, from the angle of perfecting legislation of commercial bank financial products to emphasize the importance of protecting the rights and interests of investors of private relief, of this chapter from the contract law and tort law system, to distinguish bank financial products from the liability for breach of contract and tort liability. Breach of contract damages and damages for infringement of financial products, strengthen investor protection law remedies, safeguard the legitimate rights and interests of investors and strengthen social investors in the bank's financial products market confidence, to maintain financial stability in the capital markets.

【學(xué)位授予單位】：江西財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：D922.28;F832.2

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