發(fā)布時間：2018-06-25 09:32

  本文選題：理財產品 + 結構化��； 參考：《內蒙古大學》2014年碩士論文

【摘要】：隨著經濟的迅猛發(fā)展,我國有很多商業(yè)銀行,開始經營理財產品。在經過長時間的發(fā)展之后,現(xiàn)在已經壯大成為商業(yè)銀行一種重要的投資方式。對于這些銀行,除了傳統(tǒng)的匯、貸、存業(yè)務,慢慢成為我國普通居民和企業(yè)的主要的投資方向。 由于我國金融業(yè)實行的是分業(yè)經營制度,不同的金融機構依照不同的制度安排和監(jiān)管規(guī)則開展理財業(yè)務,主要包括以下幾種：商業(yè)銀行有理財產品,基金理財產品及私募理財產品；信托公司很久之前就在經營理財產品。另外,保險公司和證券公司慢慢也開始了理財產品的設計和銷售。 2004年,我國的商業(yè)銀行理財產品開始銷售。我國的理財產品已經經過了十年的長足發(fā)展。在我國,一些較大商業(yè)銀行的理財產品,現(xiàn)在的資產數(shù)額也已經大大超過了一些金融機構的各類理財產品。根據(jù)普益財富的統(tǒng)計數(shù)據(jù),我們可以得知,從2004年年初,我國商業(yè)銀行最初開始出售理財產品。時至2012年年底,我國的商業(yè)銀行,在過去九年期間,共出售各類理財產品九萬六千余款,其中包含農村信用社、蒙銀村鎮(zhèn)銀行等。其規(guī)律為,每年出售的產品數(shù)量越來越多。上面提到的理財產品,是涵蓋了各大商業(yè)銀行,推出的表內及表外的各種理財產品。其消費客戶種類有：個人理財客戶,法人企業(yè)理財客戶。 理財產品,因為其自身種類繁多,且投資規(guī)模也涉及了較多的客戶群體,而引發(fā)的法律問題也比較繁瑣。2012年年底,商業(yè)銀行理財糾紛此起彼伏,共爆發(fā)了四起經濟糾紛。隨著社會的快速發(fā)展,我們的生活水平也在不斷地提高。理財產品對于我們的日常生活而言,影響會越來越大。因此,我們應該對理財產品的基本屬性給予充分的探索、界定與規(guī)范。共同探討我國理財產品的規(guī)范化問題。通過立法改變現(xiàn)在的性質模糊狀態(tài),減少法律漏洞,這最終目的也是為了更全面的保護理財產品的經營者與消費者,維護投資者合法權益。 本文分為引言、正文和結論三個大部分進行論述。正文部分分為三章。第一章對商業(yè)銀行理財產品的涵義和分類進行了詳細介紹,包括國內和國外的定義模式。第二章對商業(yè)銀行理財產品的法律關系存在的爭議進行了分析和界定。第三章對商業(yè)銀行理財產品中的現(xiàn)實存在的法律問題進行總結概括,并提出了完善建議。存在的問題主要有：銀行與信托法律規(guī)定不一致問題、資金來源與集資方式存在的法律問題和銀行行為不規(guī)范問題。完善建議有明確理財產品的信托法律屬性,關聯(lián)交易的法律調整,結構化理財?shù)姆梢?guī)制,完善消費者權益保護的實施細則等。
[Abstract]:With the rapid development of economy, there are many commercial banks in our country. After a long period of development, it has become an important investment way of commercial banks. For these banks, in addition to the traditional remittance, loan, deposit business, gradually become the main investment direction of ordinary residents and enterprises in China. Because the financial industry of our country implements the separate operation system, different financial institutions carry out financial management business according to different system arrangement and supervision rules, which mainly include the following kinds: commercial banks have financial management products, Fund-based products and private-equity products; trusts have long been in business. In addition, insurance companies and securities companies have slowly begun to design and sell financial products. In 2004, China's commercial banks began to sell financial products. The financial management products of our country have already gone through ten years of considerable development. In our country, the financial products of some large commercial banks have already exceeded the financial products of some financial institutions. According to the statistics of Puyi Wealth, we can know that from the beginning of 2004, Chinese commercial banks initially began to sell financial products. Up to the end of 2012, the commercial banks of our country, in the past nine years, have sold more than 96000 financial products, including the Rural Credit Cooperatives, the Mongol Village Bank and so on. The rule is that more and more products are sold each year. The above mentioned wealth management products cover the major commercial banks, launched in and out of the list of financial products. Its consumer customers are: personal financial customers, corporate financial customers. Wealth management products, because of their own variety, and the scale of investment involved a large number of customer groups, and the legal issues are more cumbersome. At the end of 2012, commercial banks financial disputes one after another, a total of four economic disputes broke out. With the rapid development of society, our standard of living is also constantly improving. Financial products will have a growing impact on our daily lives. Therefore, we should fully explore, define and standardize the basic attributes of financial products. This paper discusses the standardization of financial management products in China. The final purpose is to protect the managers and consumers of financial products more comprehensively and to protect the legitimate rights and interests of investors. This paper is divided into three parts: introduction, text and conclusion. The text is divided into three chapters. The first chapter introduces the definition and classification of commercial bank financial products in detail, including domestic and foreign definition models. The second chapter analyzes and defines the legal relationship of financial products of commercial banks. The third chapter summarizes the legal problems existing in the commercial bank financial products, and puts forward some suggestions. The main problems are: the inconsistency between the bank and the trust law, the legal problem of the source of funds and the way of raising funds, and the problem of the non-standard behavior of the bank. The consummation suggestion has the clear financial management product trust law attribute, the related party transaction legal adjustment, the structured financial management legal regulation, the consummation consumer rights and interests protection implementation rule and so on.
【學位授予單位】：內蒙古大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：D922.28

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本文編號：2065469