China’s Commercial Banks’ Wealth Legal Issues

China’s Bank Personal Financial Services in the1990s before entering the embryonic stage, the development process is very short compared with developed countries. But, with the level of growth of residents’personal wealth and individual wealth consciousness, as well as all commercial banks pay more attention to the middle of the business, people in ensuring a basic quality of life while, increasingly concerned about how to make the asset increasing the value of. Personal Financial Services in China has entered a stage of rapid development, become a very important means of investment in capital market.However, as with other emerging business of financial innovation and product, personal Financing faces many difficulties and problems in the development and maturing process. Disputes storm on personal finance products generated an unprecedented questioning and criticism, the risk of revealing the lack of fraud and other problems caused by the large number of complaints, among commercial banks for this started a lot of unfair competition and other. And thus how to improve the legal system to regulate the Personal Financial Services, effectively protect the interests of consumers has become an urgent problem. In this context, based on the basic theory of personal finance from commercial banks in China, by the nature of the legal relationship of personal financial management to define and analyze the types of personal financial legal disputes and the reasons for, and learn from the experience of U.S. commercial banks financial laws and regulations, put forward the idea of the legal regulation of China’s Commercial Banks’ Wealth, including the improvement of the substantive and procedural law, the legal system; Build diversified litigation-oriented dispute settlement mechanism; Bank financial protection of individual investors the right to know; And in the final of the judicial intervention bank financial dispute limits of reflection.