A Study On The Legal System Of Channel Management Of Commercial Banks

Commercial banks channel class of business as one of China’s commercial banking and financial services market innovation for the development of China’s commercial banking and financial markets business has played a more active role in bringing economic benefits to commercial banks and other financial institutions, but also for public investors financing enterprises to bring the corresponding interests and promote the country’s economic development and financial prosperity. But innovation is often accompanied by financial business risk, commercial banks channel class of business in the process of continuous development and innovation, there is a corresponding risk, if the financial regulatory authorities have not timely and effective regulation, will likely lead to commercial banking and financial market risks. In this regard, I believe, it should strengthen the commercial banking business, legal and regulatory channel class.This paper is divided into four parts, of which the first part of our commercial banking channel class business overview, describes the concept of commercial banking channel class business, analyze their background and causes, in our commercial banking business is currently the main channel class types of business models to be discussed, in general, on the business of commercial banks channel class interpretation.The second part of the regulatory status of China’s commercial banking business channel class were analyzed, combined with our current commercial banking channel class business major categories of China’s banking regulatory authorities to channel commercial bank specified class of business laws and regulations were sort out and elaborated,demonstrates our commercial banking regulatory authorities continue to regulate channel class business trend.The third part of the deficiency and the risk of China’s commercial banks channel class business regulatory status exist discussed. Although our financial regulatory authorities in China’s commercial banks continue to channel class of business regulation,but commercial banks still exist corresponding channel class of business risks, and the risks and the current lack of commercial bank channel class business presence in theregulatory process to analyze and elaborate expose deficiencies and risks exist status of China’s commercial banks to channel class business regulatory process.The fourth part of the commercial banks to strengthen the supervision of the channel class business, as regulatory authorities continue to strengthen our commercial banking business of the channel class is recommended risk supervision, including, but not limited to, improving product-related information disclosure system, fully exposing commercial bank channel class of business risk products, strengthen financial supervision authorities for commercial banking channels, such as class of business supervision.