Legal And Regulatory Nature Path Business Financial Products

In recent years, as people’s income has increased faster than before, the need ofincreasing in value also boost the development of bank financial products. But theproblems it brings also influence or even prevent the market from developing further.There are mainly two problems, one is the ambiguous legal definition, which can notprovide a exactly legal basis when confront the disputes caused by the bank financialproducts. The other one is the unreasonable supervision which can not prevent thefinancial risk from happening when the bank financial products truly functioned in themarket. As to the unreasonable supervision, one problem is the institutional supervisionmodel can not adapt to the quickly development of financial market. For example, abank can offer a business which contain the security affairs, but according to thesupervise model we are using now, the bank supervision committee is not in charge ofthe security affairs as the supervision committee get its authority from the institute’category, not from the business it managed. Then there comes the risk of bank financialproducts, for most of the products has the security characteristics which is not underproper supervision by a proper governmental office. The other problem is about thesupervision methods, for the methods is too general and there are no particularpunishment towards some illegal act. Besides,even the methods is reasonable enough,the bank still do not observe the rule in practical which also cause unpredictable risk.Therefore, the reasonable methods should be made as soon as possible and make surethe rules can be truly practiced by the banks.This thesis has divided into three parts to introduce the legal definition andsupervision on the bank financial products by offering a way to define the legaldefinition and the methods that can strengthen the supervision on the bank financialproducts. The first part is about the general introduction of the bank financial products,includes definition, category and the scale in the financial market in the recent years;The second part discussed the ambiguous legal definition by the present study, and offermy own advice; The third part mainly talked the way how to supervise the bankfinancial products, and offer some advice to improve the supervision on the bankfinancial products on the basis of analysis to the existed problems.