Research On Financial Products Of Commercial Bank

With the rapid development of economy, our country has a lot of commercial banks begin to run financial products. After a long time development, now it become an important way of investment of the commercial Banks. For the Banks, in addition to the traditional business, like remittances, loans or deposits, it gradually becomes the main investment direction of ordinary residents and enterprises in China.Due to the financial sector in our country is decentralized management system. Different financial institutions in accordance with the different institutional arrangements and regulations to carry out financial business. Mainly includes the following:Commercial Banks have financial products, fund products and private wealth management products. Business Trust company has managed the financial products for a long time ago. In addition, many insurance companies and securities firms started the design and marketing of financial products.In2004, our country commercial bank start selling financial products.Financial products in our country have been through a decade of rapid development. In our country, some larger wealth management products of commercial banks, now the amount of assets is more than the total of all kinds of financial products of some financial institutions.According to the wealth statistics, we can learn that, in early2004, our country commercial bank initially started selling financial products. To the end of2012, during the past nine years, the commercial banks in our country, had sold all kinds of financial products more than ninety-six thousand in total. Includes Rural credit cooperatives.The rule is products that sold in every year is increasing in the number. The products that above mentioned, are covered each big commercial bank. Launched many kinds of financial products, including in the table and table outside. Species of consumer customers, include personal finance customers and as a legal person enterprise financial customers. There are many different kinds of financial products, its investment is also covered more customer groups. As a result, its legal issues is more complicated. By the end of the year before last, the financial disputes of commercial bank,as one falls another rises, and broke out four economic disputes in total.With the rapid development of society, our standard of living is increasing in constantly. Financial products will influence our daily life more and more obviously.We should give full exploration to the basic properties, define and specification of financial products。And discuss the problem of the Normalization of the products. Through the legislation, we can change the properties of hazy station,and reduce legal loopholes. The final purpose, give more comprehensive protection to the operators and consumers of products; maintain investors’ legitimate rights and interests.This paper is divided into an introduction, body and conclusion three most were discussed. Body part is divided into three chapters. The first chapter on the commercial implications of financial products and categories are described in detail, including the definition of domestic and foreign models. The second chapter of the legal relationship between commercial banks dispute the existence of financial products were analyzed and defined. The third chapter of the legal issues in commercial bank financing products exist in reality summarize it and made a perfect proposal. The main problems are:banking law is inconsistent with the trust issues, legal issues and sources of funds and bank behavior exists no standardized way of raising the issue. There are suggestions to improve the legal property trusts clear financial products, legal regulation of related party transactions, structured finance and legal regulation, improve consumer protection and other implementation details.