Research On The Legal Supervision And Innovation Of Banks’ Personal Finance Products

With our country socialist market economy of rapid development, for the needs ofnational finance increasingly urgent, banks’ personal finance products in the issue ofexplosive growth, market competition is becoming increasingly fierce. In the fierce marketcompetition of financial management, financial products innovation become all commercialbanks’ focus, and also makes financial market prosperity. In the behind of prosperity,however,the broughts by the innovation regulation also should not be ignored, for example inthe information disclosure, risk early warning mechanism and supervised brings thecoordination problems there is a degree of supervision is insufficient or not regulatory blank.So this paper to bank individual financing the innovation of the product as a starting point,with China’s socialist market economic characteristics, the developed countries for referenceto bank personal finance products regulatory experience, the thorough analysis and summarypersonal finance products innovation and supervision of the game relation, to establish perfectsystem of financial market gives some Suggestions and ideas.This paper is divided into five chapters, the first chapter is the introduction part, mainlyis on the research background, purpose and meaning is expounded, and the reading relatedliterature were reviewed in this article.The second chapter of bank of personal finance products based content related werereviewed in this paper. Content mainly includes distinguish between bank the definition ofpersonal finance products, bank of personal finance products classification and developmentpresent situation in our country, etc. This chapter is writing objective in the personal financeproducts in China’s Banks started late, for the concept of financial products is also very fuzzy,so to personal finance products through the comprehensive analysis based content, for moreon this later under lay the good foundation.The third chapter is foreign to bank supervision system of personal finance products ofresearch is using for reference. Developed countries for a bank the development of theindustry of personal finance earlier, regulatory experience also is very rich. China’sdevelopment of the personal financial management business quite late, there is only nearly20years of prior to their regulatory speaking more show immature, so to foreign financial market supervision through comparison and analysis for the building of Chinese characteristics canbe personal financial regulatory system to seek a more convenient way.The fourth chapter focuses on analyzing the personal financial products innovation inChina’s Banks on the current situation and existing problems of supervision. Personalfinancial product innovation from the bank of the aim, significance and methods ofsummarizing our profound legislation present situation, and find out the existing regulatorymissing and possible adverse effects.The last chapter use the game theory analysis the interactive relationship between theregulation and the innovation. From basic design of the system, analyzes the process of howthe regulation which can ensure the market and have not experienced flat to the enthusiasm ofthe banking industry innovation, and puts forward the supervision system in perfect way andmethod.