Since the21st century, our country began to rapid economic development, ordinary people’sincome is also gradually increase, at the same time, the financial investment consciousness of thepeople also increased significantly, ordinary people also began to slowly more attention tofinance and investment. Wealth management products of commercial Banks in our country inrecent years began to development by leaps and bounds, issuance of species has reached tens ofthousands of species, when heat due to buy commercial bank financial products which can leadto legal disputes between commercial Banks and investors more and more, but the main reasonfor these legal disputes is the commercial Banks in the financial product sales, inadequatedisclosure of information of products. In order to avoid the occurrence of such legal disputes andcan better solve the legal disputes, must establish and improve the information disclosure systemof commercial bank financial management products, at the same time in order to ensure that ourcountry commercial bank to the development of science and specification, also must improve thesystem of information disclosure of commercial bank financial management products.This article mainly uses the theory with practice, problem analysis and other methods, thebody is made up of introduction, text and conclusion. The text mainly divides into four chapters.The introduction introduces the selected topic background, the present situation of thecommercial bank financial product information disclosure, and also introduces the significanceof topic selection, mainly is the necessity of perfecting the information disclosure system, butalso at home and abroad are introduced in the commercial bank financial products on the statusof information disclosure system.Thefirst chapter begins with what wealth management products of commercial Banks isdiscussed, and then to finance through the classification of the product from the perspective oflegal nature, were introduced in detail to ensure profitability financial product and the break-evenfloating gains financial product and the definition of floating income financial product conceptand its relative due legal relationship.The second chapter introduces the concept of information disclosure system, start fromwhat is a system of information disclosure, so as to elicit what is commercial bank informationdisclosure system, finally began to discusses the information disclosure system of commercialbank financial management products, at the same time introduced in financial contracts beforeand after the contract duration and the related information disclosure obligations should benegative.Thethird chapter is mainly for the commercial bank financial products overviewsummarized some problems at present, and analyzes on the causes of these problems. This chapter introduces the commercial bank financial products that are related to the causes ofdeficiency of information disclosure of the main regulatory legislation level is lower, there issomething wrong with the system of internal control of commercial Banks, commercial Banks tofinance manager lack professional knowledge, some investors from four aspects such as therelative lack of financial knowledge.Thefourthchapter mainly introduces how to perfect our country commercial bank financialproduct information disclosure system. This paper started from the main body of informationdisclosure, information disclosure standards, the content of information disclosure to introducethe basic framework of information disclosure, according to the previous information disclosuresystem of our country commercial bank financial products, the analysis of the causes of theproblems and puts forward some perfect our country commercial bank financial productinformation disclosure system suggestion. |