本文關(guān)鍵詞： 銀行個人理財產(chǎn)品 欺詐行為 經(jīng)濟法 規(guī)制路徑　出處：《煙臺大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來，我國銀行個人理財產(chǎn)品呈現(xiàn)快速發(fā)展的趨勢，但在民商法體系下，個人理財產(chǎn)品交易中設(shè)計過于復(fù)雜、不實告知、不當勸誘等欺詐行為橫行。論文以欺詐行為這一種銀行對消費者的權(quán)益侵害為切入，對銀行個人理財產(chǎn)品欺詐行為構(gòu)成要件、表現(xiàn)、危害進行界定，說明選擇經(jīng)濟法理念來維護金融消費者權(quán)利的理論支撐，并針對經(jīng)濟法規(guī)制銀行個人理財產(chǎn)品欺詐行為存在的障礙，描繪出銀行個人理財產(chǎn)品欺詐行為的經(jīng)濟法規(guī)制路徑。 本文共有四部分： 第一部分是對銀行個人理財產(chǎn)品中欺詐行為的概述。在了解銀行個人理財產(chǎn)品含義的基礎(chǔ)上，通過分析對比民法與經(jīng)濟法對欺詐行為的界定，確定銀行個人理財產(chǎn)品中欺詐行為的認定要件，最后簡述銀行個人理財產(chǎn)品中欺詐行為的表現(xiàn)與危害，增強對個人理財產(chǎn)品欺詐行為的認識。 第二部分是論述銀行個人理財產(chǎn)品欺詐行為經(jīng)濟法規(guī)制的理論依據(jù)。提出經(jīng)濟法理念比民商法思維更適于規(guī)制銀行個人理財產(chǎn)品欺詐行為的觀點，并從經(jīng)濟法的本質(zhì)屬性、“經(jīng)濟人”假設(shè)理論、銀行與個人理財產(chǎn)品投資者的法律關(guān)系和民法體系對銀行個人理財產(chǎn)品欺詐行為規(guī)制的缺陷四個方面論述支持觀點。 第三部分是分析銀行個人理財產(chǎn)品欺詐行為經(jīng)濟法規(guī)制的障礙。在經(jīng)濟法框架下相關(guān)法律、法規(guī)也存在諸多空白、矛盾，存在著現(xiàn)實障礙、體制障礙、訴訟障礙，，要為受欺詐消費者提供一條暢通無阻的維權(quán)通道需要排除這些障礙。 第四部分是提出銀行個人理財產(chǎn)品欺詐行為在經(jīng)濟法理念下的規(guī)制路徑。針對第三章所分析的問題，從完善銀行理財交易中消費者傾斜保護制度、消費者保護立法與金融立法聯(lián)動、健全銀行監(jiān)管機制、運用經(jīng)濟法思維處理銀行個人理財產(chǎn)品欺詐行為糾紛四個方面，論述相應(yīng)的措施。
[Abstract]:In recent years, the personal financial products of Chinese banks show a tendency of rapid development, but under the system of civil and commercial law, the design of personal financial products is too complicated to inform them. This paper focuses on fraud, which is a kind of bank infringement on consumers' rights and interests, and defines the elements, performance and harm of bank personal financial product fraud. This paper explains the theoretical support of choosing the idea of economic law to safeguard the rights of financial consumers, and in view of the obstacles existing in the regulation of fraud of bank personal financial products by economic law, describes the path of economic laws and regulations for the fraud of personal financial products of banks. There are four parts in this paper:. The first part is an overview of fraud in bank personal financial products. On the basis of understanding the meaning of bank personal financial products, through the analysis and comparison of civil law and economic law, the definition of fraud, Finally, the paper briefly describes the behavior and harm of fraud in bank personal financial products, and strengthens the understanding of fraud behavior of personal financial products. The second part discusses the theoretical basis of the economic regulation system of bank personal financial product fraud, and points out that the idea of economic law is more suitable for regulating bank personal financial product fraud than civil and commercial law thinking. It also discusses the supporting views from the following four aspects: the essential attribute of economic law, the hypothesis of "economic man", the legal relationship between banks and investors in personal financial products and the defects of the civil law system in regulating the fraudulent behavior of bank personal financial products. The third part is to analyze the obstacles of the economic regulation system of bank personal financial products fraud. Under the framework of economic law, there are many gaps, contradictions, practical obstacles, institutional obstacles, litigation obstacles, and related laws and regulations in the framework of economic law. These barriers need to be removed to provide unhindered access to fraudulent consumers. The 4th part is to put forward the regulation path of bank personal financial product fraud under the concept of economic law. In view of the problems analyzed in the third chapter, the author tries to improve the consumer protection system in banking financial transactions. This paper discusses the corresponding measures in four aspects: the linkage of consumer protection legislation and financial legislation, the perfection of banking supervision mechanism, and the application of economic law to the handling of fraud disputes of bank personal financial products.
【學(xué)位授予單位】：煙臺大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：D922.29;D922.281

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