Commercial Bank Financial Products Investors Legal Protection System

Financial innovation to drive the comprehensive development of our country commercial bank financial products. Personal financial products of China began to China Everbright Bank in2004which launched the "Sunshine Finance Plan B". In recent years, our country commercial bank financial products develop fast. According to the China Banking Regulatory Commission in the first half of2013, about122commercial Banks issued20473financial products, which rose by24.65%of last year. The types of financial product start from single money and gradually develop as a diversified field includes trust, equity, commodity and company equity and others. However, at this stage, the regulatory laws and regulations to the finance products is rare and can not effectively protect the lawful rights of investors, and is not conducive to the steady development of financial markets. It becomes a very important question that how to use legal means to investors for effective protection of individual financial products. This article analyzes the problems of legislation, supervision and relief existing in the development of financial products at this stage, and aimed at the problem of specific suggestions, in order to better protect the legitimate rights s of the individual investors.The full text is three parts including introduction, text and epilogue three parts, and the text is divided into four parts.The first part is the meaning of legal protection system about commercial bank financial products investors. In this part, I mainly introduce the content of the commercial bank financial management products, define the meaning of wealth management products investors and its legal characteristics, and proposed the legal protection system of the financial product investors and its practical significance. The content of this part do set the stage for later further elaborated.The second part mainly discusses status of legal protection system of our country commercial bank financial products investors and points out the existing problems, includes: the imperfect legal protection system, the in appropriation of regulation, and such problems as lack of relief way when investor rights damaged. Through the analysis of these problems, I hope find out the defects in the legal protection system in China, so as to better improve the system of relevant laws, and reference good results and solve problems for later text.The third part is the research and evaluation about the foreign bank financial products investors’ legal protection system. Personal finance products in the developed countries such as Britain and America started earlier, the breadth and depth of the development also more complete. Especially after the financial crisis, all the countries also strengthen the legal protection to investors by legislation and emphasize the importance of the investors in the financial markets. Wealth management business in China started late, but developed rapidly at present stage. Products investor legal protection system in China is facing huge challenge, we need to learn advanced experience from developed countries, and combining with our country’s national conditions suitable for our country’s legal protection system.The fourth part mainly introduced the improvement of the system about legal protection for our country commercial bank financial products investors. First, improve the investors legal protection legislation system. Making legal laws which is suitable for China’s national conditions. Second, perfecting the supervision mechanism of our country’s financial product investor legal protection. Through the clear regulatory goal, establishing unified investor protection regulators, as well as the information disclosure and the regulation of the inform obligation to protect the lawful rights and interests of investors. Finally, to perfect our investors dispute resolution mechanisms, including improve the complaints mechanism, the use of arbitration system and representative lawsuit system fundamentally to protect the weak position of individual investors, forming a stable legal system of financial trading environment.