Analysis Of Financial Planning Legal Regulations

Financial planning has a long history. Today, financial service is manifested asan integrated service, namely financial planning. With the development of economyand the innovation of financial regulations, financial planning has gradually movedinto the people’s vision, and closely linked to people’s daily management. Throughoutthe history of China’s financial planning development, financial planning legalregulations is developing gradually from scratch to being developed. In recent years,with rapid development of economy, financial products and systems develop fast,meanwhile, it also exposes some problems, especially the law needs to be perfectand the legislative gaps needs to be filled in order to protect the reasonabledevelopment of the financial planning. At present, from the financial planning aspectsof related research，whether in academia or industry, we will see that there is noauthoritative and unified conclusion for the rationality and legality of financialplanning, and no qualifications to carry out financial planning. Financial planningdisputes prevention and problem-solving, the legal nature of the financial planningbehavior, the structure of the financial management contract and it’s rights andobligations, the preventive effect of the current financial regulatory regulations offinancial planning， how the courts apply the law to hear financial planning disputesetc are all the disputed problems. But so far, a number of analytical articles on thisissue are also more fragmented, one-sided, lack of systematic, in-depth study, andthere is no systematic solution on it. Therefore, this paper starts from the above pointof view, and make a further in-depth discussion on all aspects of financial planningissues to get the legislative and regulative proposals for the operational efficiency ofthe financial planning market.In China, the history of financial planning is not long, so we need to carry onthorough analysis in financial planning to explore the absence of its legal regulations, and get an accurate understanding of the concept and content of financial planning.First, it is a preliminary introduction and overview of financial management from theperspective of the definition of financial management, financial characteristics andfinancial history, then it begins to introduce some knowledge of financial planning,such as financial planning, definition, and characteristics. On this stage, in the form offinancial planning market development and development trends, it starts to pave theway and prepare for in-depth discussion of the following sections. To build andimprove the financial planning and legal question, we need more in-depth analysis onthe legal relationship of the financial planning management. Financial Planning hasbeen built on certain civil legal relations on the basis of financial managementcontract for its content, and subjected the relevant legal norms and the adjustment ofcivil legal acts. In this section, we try to start the discussion from the three majoraspects: the main, the object of financial planning and financial management contract.And then, we make a further study on refinement and analysis of these issues,therefore, we could have amore comprehensive and systematic understanding offinancial planning.First，we focus on legal issues and risks faced by the financial planning. Fromthe shortcomings of legislative, regulatory, etc, we expounded the risks that China’sfinancial planning are facing to pave the way for the solutions of existing problems inthe fifth chapter. China’s rapid economic development has led to the explosivedevelopment of financial planning activities. But the law itself has a lag, and can notquickly find and solve the problem. Consequently, this is the reason for the author todiscuss and resolve these problems.Second, starting from the legal experience of the foreign financial planninganalysis, we have studied and absorbed the outstanding foreign experience in order toimprove our financial planning legislation. As it has been mentioned earlier, in China,the modernization history of financial planning emergence and development is notlong, but in some developed countries, financial planning has been a long time, andhad more perfect relevant laws and regulations. We can learn the advanced andmature experience from them to solve our problems.Finally, we have made a further elaboration of these aspects of the problems, and put forward my own legislative and regulatory proposal for financial planningthrough our research and comparison. To solve the problems of our financial planning,we must base on China’s basic national conditions, analysis of the relevant facts andmaterials to find out the legislative and regulatory issues in China’s financial planningbusiness. So to study deeply in these two areas is the key to solve some problems inour financial planning.