本文選題：商業(yè)銀行　切入點(diǎn)：個(gè)人理財(cái)產(chǎn)品　出處：《華東政法大學(xué)》2012年碩士論文

【摘要】：近些年，隨著商業(yè)銀行個(gè)人理財(cái)產(chǎn)品（以下簡(jiǎn)稱“理財(cái)產(chǎn)品”）的興起，一些糾紛和問(wèn)題開始涌現(xiàn)。雖然相關(guān)部門出臺(tái)了法律法規(guī)對(duì)理財(cái)產(chǎn)品市場(chǎng)進(jìn)行規(guī)范，但并未明確界定理財(cái)產(chǎn)品的法律關(guān)系，這種不明確帶來(lái)了一系列問(wèn)題，主要包括理財(cái)產(chǎn)品信息披露問(wèn)題、理財(cái)產(chǎn)品質(zhì)押?jiǎn)栴}、商業(yè)銀行破產(chǎn)時(shí)理財(cái)產(chǎn)品的處置問(wèn)題。本文試圖從對(duì)法律關(guān)系的界定出發(fā)，探討商業(yè)銀行理財(cái)產(chǎn)品的信息披露問(wèn)題、質(zhì)押?jiǎn)栴}、破產(chǎn)處理問(wèn)題，并通過(guò)對(duì)實(shí)務(wù)界、學(xué)術(shù)界觀點(diǎn)及國(guó)外相關(guān)做法的分析借鑒，對(duì)這些問(wèn)題的解決提出合理性建議。 本文分為導(dǎo)言、正文、結(jié)論三大部分，正文部分分為四章。第一章是對(duì)個(gè)人理財(cái)業(yè)務(wù)形成的理財(cái)產(chǎn)品進(jìn)行概念界定及分類，并根據(jù)分類對(duì)理財(cái)產(chǎn)品的法律關(guān)系進(jìn)行界定。具體來(lái)說(shuō)，商業(yè)銀行理財(cái)產(chǎn)品分為三大類：保證收益類、非保本浮動(dòng)收益類、保本浮動(dòng)收益類。筆者認(rèn)為，在這三類理財(cái)產(chǎn)品中，投資者與商業(yè)銀行締結(jié)的法律關(guān)系具有不同的性質(zhì)：在保證收益類理財(cái)產(chǎn)品中，二者是債權(quán)債務(wù)關(guān)系；在非保本浮動(dòng)收益類理財(cái)產(chǎn)品中，二者是信托關(guān)系；在保本浮動(dòng)收益類理財(cái)產(chǎn)品中，基礎(chǔ)法律關(guān)系是債權(quán)債務(wù)關(guān)系，對(duì)于收益部分，二者是信托關(guān)系。 第二章對(duì)法律關(guān)系界定不明帶來(lái)的商業(yè)銀行理財(cái)產(chǎn)品信息披露問(wèn)題進(jìn)行研究。本章從理財(cái)產(chǎn)品的法律關(guān)系出發(fā)，說(shuō)明理財(cái)產(chǎn)品的信息披露具有特殊性，需要制定有針對(duì)性的信息披露制度。而通過(guò)分析可以看出，相關(guān)立法存在問(wèn)題，其中立法層級(jí)較低，具體規(guī)定不完善，缺乏有效的監(jiān)管機(jī)制配合法律的施行等問(wèn)題不容忽視。因此應(yīng)當(dāng)提高相關(guān)立法層級(jí)；根據(jù)理財(cái)產(chǎn)品的特殊性建立制度，完善責(zé)任體系，確保信息披露制度的施行；并再建立有效的監(jiān)管機(jī)制，確保披露制度的真正施行。 第三章討論法律關(guān)系界定不明帶來(lái)的理財(cái)產(chǎn)品質(zhì)押?jiǎn)栴}。本章從商業(yè)銀行理財(cái)產(chǎn)品的法律關(guān)系出發(fā)，說(shuō)明理財(cái)產(chǎn)品可被質(zhì)押的依據(jù)。雖然質(zhì)押理財(cái)產(chǎn)品可以是融資的新途徑，但現(xiàn)有立法并無(wú)明確規(guī)定，質(zhì)權(quán)人的權(quán)利設(shè)立與實(shí)現(xiàn)不能得到應(yīng)有的保障，從而影響理財(cái)產(chǎn)品投資者的利益。通過(guò)對(duì)現(xiàn)存問(wèn)題進(jìn)行分析，筆者認(rèn)為，適應(yīng)金融創(chuàng)新的需要，與信托法相配套，，相關(guān)的法律急需建立健全，同時(shí)建立與完善質(zhì)物價(jià)值追蹤系統(tǒng)和強(qiáng)制平倉(cāng)制度，使理財(cái)產(chǎn)品質(zhì)押有法可依。 第四章對(duì)法律關(guān)系界定不明導(dǎo)致的商業(yè)銀行破產(chǎn)時(shí)理財(cái)產(chǎn)品的處置問(wèn)題進(jìn)行探析。雖然我國(guó)鮮見商業(yè)銀行破產(chǎn)的案例，但市場(chǎng)經(jīng)濟(jì)發(fā)展的必然，使得這一問(wèn)題有探討之意義，我國(guó)破產(chǎn)法也明確將金融機(jī)構(gòu)破產(chǎn)納入其規(guī)范。文章以法律關(guān)系為基礎(chǔ)，結(jié)合商業(yè)銀行破產(chǎn)的特殊性，著重分析理財(cái)產(chǎn)品投資者在商業(yè)銀行破產(chǎn)時(shí)應(yīng)特別注意的問(wèn)題，在此基礎(chǔ)上，提出若干建議。
[Abstract]:In recent years, with the rise of commercial bank personal financial products (hereinafter referred to as "financial products"), some disputes and problems began to emerge.Although the relevant departments have issued laws and regulations to regulate the financial management product market, they have not clearly defined the legal relationship of the financial management product. This lack of clarity has brought about a series of problems, mainly including the issue of financial product information disclosure.The issue of financial product pledge and the disposal of financial products when the commercial bank goes bankrupt.Based on the definition of legal relationship, this paper attempts to discuss the problems of information disclosure, pledge and bankruptcy treatment of financial products in commercial banks.Some reasonable suggestions are put forward to solve these problems.This article is divided into introduction, text, conclusion three parts, the body part is divided into four chapters.The first chapter defines the concept and classification of financial products formed by personal finance business, and defines the legal relationship of financial products according to the classification.Specifically, the financial products of commercial banks can be classified into three categories: guaranteed income, non-capital preservation floating income, capital preservation floating income.In the author's opinion, the legal relationship between investors and commercial banks is different in these three types of financial products: in guaranteed income products, they are creditor's rights and debt relationship; in non-capital preservation floating income financial products, the relationship between them is different.In the financial products of floating income, the basic legal relationship is the relationship between creditor's rights and debts, and for the income part, the two are trust relations.The second chapter studies the financial product information disclosure of commercial banks caused by unclear definition of legal relationship.Based on the legal relationship of financial management products, this chapter explains the particularity of information disclosure of financial products, which requires the establishment of targeted information disclosure system.Through the analysis, we can see that there are some problems in the relevant legislation, such as the lower level of legislation, the imperfection of specific provisions, the lack of effective supervision mechanism to cooperate with the implementation of the law and so on.Therefore, we should raise the level of relevant legislation; establish the system according to the particularity of financial products, perfect the responsibility system, ensure the implementation of the information disclosure system; and then establish an effective regulatory mechanism to ensure the real implementation of the disclosure system.The third chapter discusses the problem of financial product pledge caused by unclear definition of legal relationship.Based on the legal relationship of financial products of commercial banks, this chapter explains the basis of pledge of financial products.Although the pledge financing product can be a new way of financing, there is no clear stipulation in the existing legislation that the establishment and realization of the rights of the mortgagee cannot be guaranteed, thus affecting the interests of investors in the financial products.Through the analysis of the existing problems, the author thinks that to meet the needs of financial innovation, and to match the trust law, the relevant laws are urgently needed to establish and improve, at the same time, to establish and perfect the value tracking system and the forced closing system.The pledge of financial products can be subject to the law.The fourth chapter analyzes the disposal of financial products in the bankruptcy of commercial banks due to the unclear definition of legal relationship.Although there are few bankruptcy cases of commercial banks in our country, the inevitable development of the market economy makes this issue of significance to be discussed, and the bankruptcy law of our country also explicitly brings the bankruptcy of financial institutions into its standard.Based on the legal relationship and the particularity of the bankruptcy of commercial banks, this paper emphatically analyzes the problems that should be paid special attention to by investors of financial management products in the bankruptcy of commercial banks, and puts forward some suggestions on this basis.
【學(xué)位授予單位】：華東政法大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：D922.281

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