The Information Disclosure Of Commercial Bank Financial Contract System Of Legal Research

With the rapid development of china’s Reform and opening up policy, the society is gaining progress day by day, people’s daily lives have changed greatly. People are becoming wealthier than before. In order to keep and increase the treasures they owned, they are beginning the scheme of financial management. According to a report offered by PUYI Wealth, amount of22,441different kinds of wealth management products have been pushed to the market, which scale of them is1.699trillion RMB, both doubled their size. At the same time, legal disputes are growing heavily. How to protect consumer’s legal rights caused a lot of people’s concern. The wealth management contract disputes is mainly reflected in these parts:whether the management contract was established or not, the consumer’s right to know, to ensure the end of the terms of security, disclosure of the information in the contract and so on. This paper will research and analysis the contracts, this paper mainly focused on information disclosure matters, and put forward some counter-measures to the problem, hoping that this paper can work out to be helpful.The first chapter of this paper briefly introduces two cases regarding wealth management contract, identify financial disputes and main issues, in order to introduce the meaning of writing this paper. At the same time, introduce the concept of wealth management contract, how to classify them and the essence of the contract. Later talk about the laws and regulations which were made to rule the wealth management contract, and let the readers have a basic understanding of the contract.The second chapter of this paper mainly discusses fundamental legal theory of the commercial Banks information disclosure of the wealth management contract including the honesty and credit principle, asymmetry theory of information between both sides financial management contract, financial products and consumer’s right to know, and "comprehensive, real and effective" information disclosure principle.The third chapter of this paper mainly introduces information disclosure of the financial management contract before it is concluded, and information disclosure during the lasting of the contract.The fourth chapter of this paper mainly aiming at the existing problems, give my advices on the legislation, supervision put forward some Suggestions.Confined to my knowledge of law,this paper must have some drawbacks and mistakes. I just hope that this paper can play a certain role, cause the public attention to finance management contract, and guard their own legal rights; and I want to cause the attention of bankers, take care of appropriately public concern while making financial contract. Finally, I hope under the leadership of the china communist party, we work together to improve the quality of service, and work hard to realize the great goal of common prosperity.