Information Disclosure Of Commercial Banks In Personal Finance Business

Continuously improve the level of China’s economy this year, with the rapid development of the real economy and real estate and other related industries, China’s per capita disposable property is gradually increasing, personal finance business in the bank’s investment has been more and more people of all ages. But in recent years, the information disclosure of financial management products in the bank personal, frequent problems. From the beginning of the twenty-first Century, the rapid development of China’s commercial banks of the related business, with its own resources advantage and policy advantage, quickly occupied the main market of personal financial services in china. The development of new things is always accompanied by the problem, the bank personal financial business in the development process also exposed some problems. No relevant legal norms, regulations are not perfect, the information disclosure of the personal financial management business presents a huge problem. For example, the risk parameters of product characteristics, the bank’s financial products, consumer and commercial banking business of the legal relations and other issues, both in theory and in practice the lack of a unified regulatory standards, not the formation of industry standards. Therefore, in practice, the personal financial management business of commercial banks damage investors often appear, serious damage to the broad masses of the people to participate in the new economic tide of passion. This paper starts from the typical case, personal financial business in the information disclosure of commercial banks from the outside to the inside, at the same time, analysis of the current situation of information disclosure in the judicial practice, and puts forward suggestions.