【摘要】：我國(guó)銀行理財(cái)產(chǎn)品監(jiān)管是一個(gè)“法律交叉”問(wèn)題,既涉及銀行業(yè)務(wù)監(jiān)管,又涉及信托性質(zhì)監(jiān)管。“分業(yè)經(jīng)營(yíng)”對(duì)應(yīng)“分業(yè)監(jiān)管”的模式下,理財(cái)產(chǎn)品內(nèi)涵外延不一致,監(jiān)管標(biāo)準(zhǔn)不統(tǒng)一。應(yīng)走功能監(jiān)管路徑,加強(qiáng)監(jiān)管協(xié)調(diào)性,在平衡銀行理財(cái)產(chǎn)品創(chuàng)新性和法律監(jiān)管穩(wěn)定性的基礎(chǔ)上,采用分類監(jiān)管思想。銀行理財(cái)系統(tǒng)風(fēng)險(xiǎn)性決定了分類監(jiān)管必須遵循效審慎穩(wěn)健監(jiān)管的根本原則,銀行理財(cái)?shù)臏?zhǔn)公共產(chǎn)品性決定了分類監(jiān)管必須建立在統(tǒng)一監(jiān)管框架下,適合性監(jiān)管原則是分類監(jiān)管的思想根源,分類監(jiān)管是適合性監(jiān)管原則在具體工作中的體現(xiàn)。銀行理財(cái)分類監(jiān)管應(yīng)堅(jiān)持依法、公開(kāi)公正、效率原則；統(tǒng)一監(jiān)管,科學(xué)分類原則；區(qū)別對(duì)待,差別監(jiān)管原則；平衡創(chuàng)新性和穩(wěn)定性,適時(shí)調(diào)整原則。在具體實(shí)施方面,銀行理財(cái)分類監(jiān)管可以按照參與理財(cái)?shù)闹黧w、是否承諾收益、銀行理財(cái)?shù)墓芾矸绞�、銀行理財(cái)標(biāo)的物、理財(cái)產(chǎn)品的風(fēng)險(xiǎn)等級(jí)、經(jīng)營(yíng)機(jī)構(gòu)的規(guī)模、投資者投資能力、風(fēng)險(xiǎn)承受能力等進(jìn)行分類監(jiān)管,確立投資者資格監(jiān)管、經(jīng)營(yíng)者準(zhǔn)入監(jiān)管、風(fēng)險(xiǎn)隔離監(jiān)管、風(fēng)險(xiǎn)等級(jí)監(jiān)管、銀行轉(zhuǎn)信托備案監(jiān)管、透明度監(jiān)管等監(jiān)管措施,建設(shè)理性投資者和理性投資文化,推動(dòng)銀行理財(cái)監(jiān)管的專業(yè)化,提高銀行理財(cái)監(jiān)管的有效性。從方法論角度看,銀行理財(cái)產(chǎn)品分類監(jiān)管,也是一種監(jiān)管的工作方法,是銀行理財(cái)監(jiān)管的創(chuàng)新�？傊�,銀行理財(cái)產(chǎn)品分類監(jiān)管,是根據(jù)銀行理財(cái)產(chǎn)品的風(fēng)險(xiǎn)特征、現(xiàn)實(shí)及發(fā)展?fàn)顩r等,為實(shí)現(xiàn)金融監(jiān)管職能和目標(biāo)所實(shí)施的在監(jiān)管方法、監(jiān)管措施、監(jiān)管目標(biāo)、監(jiān)管效果上各有側(cè)重的監(jiān)管模式和監(jiān)管方法,制定一個(gè)《銀行理財(cái)產(chǎn)品分類監(jiān)管規(guī)定》未嘗不可。
[Abstract]:The supervision of banking financial products in China is a cross-issue of law, which involves not only the supervision of banking business, but also the supervision of the nature of trust. Under the mode of "separate operation" corresponding to "separate supervision", the connotation and extension of financial management products are inconsistent, and the supervision standards are not uniform. We should take the path of functional supervision, strengthen the coordination of supervision, and adopt the idea of classified supervision on the basis of balancing the innovation of banking financial products and the stability of legal supervision. The risk of banking financial management system determines that classification supervision must follow the fundamental principle of effective prudent and robust supervision, and the quasi-public property of bank financial management determines that classified supervision must be established under the unified regulatory framework. The principle of adaptive supervision is the ideological root of classified supervision, and classified supervision is the embodiment of the principle of adaptive supervision in concrete work. Bank financial management classification supervision should adhere to the principles of law, openness, justice and efficiency, unified supervision, scientific classification principle, differential treatment, differential supervision principle, balance innovation and stability, timely adjustment principle. In terms of specific implementation, the classified supervision of bank financial management can be based on the main body involved in financial management, whether or not to promise revenue, the management mode of bank financial management, the subject matter of bank financial management, the risk level of financial products, and the size of the operating institution. Investors' investment capacity, risk tolerance, and so on, shall be classified and supervised, and regulatory measures such as investor qualification supervision, operator access supervision, risk isolation supervision, risk grade supervision, bank transfer trust filing supervision, and transparency supervision shall be established. Build rational investors and rational investment culture, promote the specialization of banking financial supervision, improve the effectiveness of banking financial supervision. From the perspective of methodology, the classified supervision of banking financial products is also a kind of working method of supervision, and is the innovation of banking financial supervision. In a word, the classified supervision of banking financial products is based on the risk characteristics, reality and development status of banking financial products, and is implemented in the supervision methods, supervision measures, and supervision objectives in order to achieve the functions and objectives of financial supervision. There are different supervision modes and methods on the effect of supervision, so it is necessary to make a regulation on the classification of banking financial products.
【學(xué)位授予單位】：北方工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：D922.281

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