本文選題：電子銀行　切入點(diǎn)：個(gè)人理財(cái)業(yè)務(wù)　出處：《西南大學(xué)》2017年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：科學(xué)技術(shù)的進(jìn)步促進(jìn)社會(huì)不斷發(fā)展,隨之產(chǎn)生的社會(huì)問(wèn)題推動(dòng)法律制度不斷變遷。在金融領(lǐng)域,商業(yè)銀行憑借密布的基層網(wǎng)點(diǎn)和良好信譽(yù),如火如荼地發(fā)展著個(gè)人理財(cái)業(yè)務(wù)。信息技術(shù)的飛速發(fā)展使得人們生活方式發(fā)生翻天覆地的變化,現(xiàn)代社會(huì)的人們希望可以更高效便捷地進(jìn)行投資理財(cái),電子銀行應(yīng)運(yùn)而生。隨著財(cái)富的不斷增加,人們的金融需求呈現(xiàn)多元化特點(diǎn),投資理財(cái)撕下神秘面紗,走入了“尋常人家”,購(gòu)買(mǎi)理財(cái)產(chǎn)品是對(duì)單純儲(chǔ)蓄的補(bǔ)充,是管理個(gè)人財(cái)富的常用手段。但是隨著金融技術(shù)的發(fā)展,理財(cái)產(chǎn)品日益專(zhuān)業(yè)、復(fù)雜。電子銀行作為信息技術(shù)發(fā)展的產(chǎn)物,亦具有極強(qiáng)專(zhuān)業(yè)性,其操作技術(shù)、風(fēng)險(xiǎn)規(guī)避等問(wèn)題也非日常經(jīng)驗(yàn)可以解決。普通民眾缺乏專(zhuān)業(yè)知識(shí),難以獲取足夠信息以作出符合自身實(shí)際的理性抉擇。另一方面,對(duì)商業(yè)銀行而言,電子銀行既是新的發(fā)展機(jī)遇,也是新的戰(zhàn)場(chǎng)。為占領(lǐng)市場(chǎng),在利益驅(qū)使下,商業(yè)銀行等金融機(jī)構(gòu)難以主動(dòng)說(shuō)明信息。金融消費(fèi)者權(quán)益知情權(quán)缺乏有效保障,不利于保持金融消費(fèi)者信心,長(zhǎng)遠(yuǎn)看,亦不利于金融業(yè)持續(xù)健康地發(fā)展。商業(yè)銀行擁有大量專(zhuān)業(yè)金融人才,具有專(zhuān)業(yè)技術(shù)設(shè)備,是理財(cái)產(chǎn)品的設(shè)計(jì)者、銷(xiāo)售者,對(duì)理財(cái)產(chǎn)品相關(guān)信息的占有相對(duì)普通民眾而言具有絕對(duì)優(yōu)勢(shì),要求銀行承擔(dān)說(shuō)明義務(wù)是立法對(duì)二者信息不對(duì)稱(chēng)的調(diào)整和平衡,對(duì)于緩解雙方不對(duì)等交易地位有積極意義。目前,在金融立法中,歐盟、美國(guó)、日本等國(guó)家放棄原有的分業(yè)立法模式,選擇了統(tǒng)合立法,這是金融領(lǐng)域混業(yè)經(jīng)營(yíng)趨勢(shì)加劇背景下的必然選擇�！敖鹑谙M(fèi)者”概念和“金融消費(fèi)者保護(hù)”議題在多國(guó)上世紀(jì)末本世紀(jì)初的金融立法中尋得蹤跡,但金融消費(fèi)者的傾斜保護(hù)真正成為各國(guó)金融立法的核心是在2008年全球金融危機(jī)之后。多國(guó)通過(guò)調(diào)查分析,發(fā)現(xiàn)正是對(duì)金融消費(fèi)者的保護(hù)不足才最終導(dǎo)致了如此嚴(yán)重的后果,此后,說(shuō)明義務(wù)制度和合格投資者制度成為金融立法的兩大核心制度。對(duì)歐盟、美國(guó)、日本、英國(guó)等立法中關(guān)于說(shuō)明義務(wù)的說(shuō)明內(nèi)容、履行要求等內(nèi)容的考察研究有助于概括其共同的立法理念和邏輯,其關(guān)于說(shuō)明義務(wù)內(nèi)容規(guī)定、責(zé)任設(shè)置等都可為我國(guó)構(gòu)建電子銀行個(gè)人理財(cái)業(yè)務(wù)說(shuō)明義務(wù)提供啟示與借鑒。個(gè)人理財(cái)業(yè)務(wù)中的綜合理財(cái)業(yè)務(wù)是金融機(jī)構(gòu)直接向金融消費(fèi)者提供理財(cái)產(chǎn)品,二者之間存在交易合約。電子銀行和理財(cái)產(chǎn)品均有其專(zhuān)業(yè)性、復(fù)雜性,從信息對(duì)稱(chēng)理論、雙方的利益沖突、誠(chéng)實(shí)信用原則、知情權(quán)保護(hù)、對(duì)格式條款的解釋說(shuō)明等多角度可得出銀行承擔(dān)說(shuō)明義務(wù)的必要性和合理性。結(jié)合電子銀行的具體特點(diǎn),電子銀行環(huán)境中的說(shuō)明義務(wù)存在特殊性,是傳統(tǒng)銀行柜臺(tái)環(huán)境下說(shuō)明義務(wù)的延伸和強(qiáng)化,二者在性質(zhì)、意義、責(zé)任承擔(dān)方式等方面存在相同之處,但電子銀行環(huán)境下,說(shuō)明義務(wù)的內(nèi)容和具體履行方式及標(biāo)準(zhǔn)存在不一樣的要求。構(gòu)建我國(guó)電子銀行個(gè)人理財(cái)業(yè)務(wù)說(shuō)明義務(wù),應(yīng)重點(diǎn)解決說(shuō)明義務(wù)的內(nèi)容、義務(wù)具體履行方式、義務(wù)恰當(dāng)履行的確認(rèn)等基本問(wèn)題。通過(guò)審視銀行實(shí)踐操作中存在的問(wèn)題,反思我國(guó)立法的不足,充分發(fā)揮上位法和下位法的協(xié)調(diào)配合將有助于加強(qiáng)說(shuō)明義務(wù)體系性以及內(nèi)在邏輯性。同時(shí)結(jié)合電子銀行的操作特點(diǎn),充分考慮說(shuō)明內(nèi)容對(duì)金融消費(fèi)者決策的影響、說(shuō)明方式是否有效。以此為出發(fā)點(diǎn),在銀行說(shuō)明義務(wù)規(guī)則完善過(guò)程中,基于說(shuō)明義務(wù)對(duì)銀行的不利益和銀行的營(yíng)利性本質(zhì),說(shuō)明義務(wù)不應(yīng)過(guò)度強(qiáng)調(diào)傾斜保護(hù),還應(yīng)有利益平衡考量,在義務(wù)規(guī)則具體設(shè)定中注意義務(wù)邊界,注意電子銀行環(huán)境下當(dāng)事人承擔(dān)相應(yīng)義務(wù)的成本。同時(shí),充分挖掘電子銀行的信息技術(shù)特點(diǎn),圍繞自助性、虛擬性探索多元化的說(shuō)明形式以及履行程度的有效確認(rèn)方式。最終推出符合信息技術(shù)時(shí)代特點(diǎn),符合我國(guó)電子銀行發(fā)展實(shí)際的電子銀行個(gè)人理財(cái)業(yè)務(wù)說(shuō)明義務(wù)規(guī)則。
[Abstract]:The progress of science and technology to promote the continuous development of society, social problems arise in promoting legal system changes. In the financial sector, commercial banks with dense grassroots network and good reputation, like a raging fire developing personal financial services. The rapid development of information technology to change people's way of life to turn the world upside down, people in modern society can hope more efficient and convenient for investment banking, electronic banking came into being. With the increase of wealth, people's financial needs are diversified, investment tore into the mystery of "ordinary people", the purchase of financial products is a supplement to the simple savings, is a common means of personal wealth management. But with the development of the financial technology financial products, more professional, complicated. Electronic banking is the product of the development of information technology, also has strong specificity, its operation As a technology, such as risk aversion problem is not the daily experience can be solved. People are lack of professional knowledge, it is difficult to obtain enough information to make a rational choice according to their own condition. On the other hand, for commercial banks, electronic banking is a new opportunity for development, but also the new battlefield. In order to occupy the market, driven by interests. Commercial banks and other financial institutions to take the initiative to explain the information. The financial interests of consumers right to know the lack of effective protection, is not conducive to maintaining financial consumer confidence, the long run, is not conducive to the sustained and healthy development of the financial industry. Commercial banks have a large number of professional financial personnel, with professional technical equipment, is a financial product designer, sellers, possession of financial products the relevant information relative to ordinary citizens has the absolute advantage, require banks to take the obligation is legislation on the two information asymmetry to adjust and balance. To relieve the unequal trading position has positive significance. At present, in the financial legislation, the European Union, the United States, Japan and other countries to give up the original separate legislative mode, choose the integration of legislation, this is the trend of financial mixed operation intensifies the inevitable choice under the background of "financial consumer" and the concept of "financial consumer protection" issues in many countries at the end of the last century financial legislation at the beginning of this century in search of the trail, but inclined to protect financial consumers really become the core of national financial legislation in 2008 after the global financial crisis. Countries through the investigation and analysis, it is found that the lack of protection of financial consumers will eventually lead to such serious consequences, then, that the duty system and the system of qualified investors to become the two core system of financial legislation. The EU, U.S., Japan, on the explanation obligation of legislation in the UK, performance Study on the requirements of content helps to summarize the common legislative philosophy and logic, the explanation obligation provisions, liability setting can be explained the obligation to provide enlightenment and reference to the construction of personal financial business of electronic banking in our country. The comprehensive financial business of personal financial services in the financial institutions to provide direct financial products to financial consumers there, trading contract between the two. The complexity of electronic banking and financial products has its specialty, from asymmetric information theory, the conflict of interests between the two sides, the principle of honesty and credit, the protection of the right to know, the terms of the format to explain the multiple perspectives that banks assume obligation to explain the necessity and rationality. According to the characteristics of electronic banking the electronic banking environment that obligations are special, is under the environment of the traditional bank counter and strengthen the obligation of the extension, the two in the nature, significance, There are similarities in responsibility, but the electronic banking environment, that the content of the obligation and the specific performance and the standard is not the same. The construction of personal financial business of electronic banking in China that obligation, should focus on solving the obligations that the content of specific obligations to fulfill, fulfill the basic problems of compulsory confirmation. The existing problems in the practice of examining banks, reflecting the shortage of legislation in China, give full play to shangweifa and method of coordination will help to strengthen the explanation obligation and system of internal logic. At the same time combined with the operating characteristics of electronic banking, considering the effect of the content of financial consumer decision-making, that is effective at this point, the bank note obligations rules in the process of perfection, obligations that for-profit nature of the bank's interest and bank based on said That obligation should not be over emphasized tilt protection, but also the balance of interests considerations, the duty of care in specific boundary obligation rule set, pay attention to electronic banking environment shall bear the corresponding obligations cost. At the same time, to fully tap the characteristics of information technology of electronic bank, around the self help, virtual explore diversified forms and illustrate the fulfilling degree the effective way to confirm the final launch with information technology. The characteristics of the times, in line with the actual development of the personal financial business of electronic banking electronic banking in China explain obligation rules.

【學(xué)位授予單位】：西南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：D922.28

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