Discuss The Legal Protection Of Individual Investor Rights Of Commercial Bank Financial Products

In recent years,financial products of commercial banks in China have been showing atrend of continuous development,the financial capital scale had been close to10-trillion-yuan.The development of financial products of commercial banks,hasplayed an important role in further improving the financing structure,guiding theprivate capital flows and increasing the property income of residents.But at the sametime,the law risk of financial products of commercial banks is increasing because ofthe structure complex financial products and macroeconomic instability and so on.Thelegal protection of individual investors is facing huge challenge and needs furtherprotection.In this paper,the author will discuss the law protection of individualinvestors of financial products of commercial banks with three parts,as flows:The first part,discussing the general theory of the financial products of commercialbanks in China and the law protection of individual investors.The contentsinclude:Expounding the concept of financial products of commercial banks in Chinaand its classification;Emphatically analysis the legal relationship between commercialbank and individual investors in the financial products of commercial banks inChina,and coming to the conclusion that trust relationship is the most conducive to theprotection of individual investors;Looking for the deep legal principles that protectingthe individual investors of financial products of commercial banks in China,andproviding che legal support of theory.The second part,discussing the current situation and existing problems of legalprotection of individual investors of financial products of commercial banks inChina.Firstly,expounding the present situation of legislation about individual investorsof financial products of commercial banks in China and including the indirect legalprotection about individual investors of financial products of commercial banks inChina from the obligation of information disclosure of commercial banks and theobligation of risk tip;Secondly,discussing the existing problems of legal protection ofindividual investors of financial products of commercial banks in China,andexpounding the defects of legal protection of three aspects:one is the lack ofprotection about individual investors’financial information privacy;two is the lack ofappropriate restriction on issuing subject;three is the lack of the regulation of civillegal liability because of violating the obligation of information disclosure. The third part,putting forward the legal suggestions about improving and perfectingthe protection of individual investors of financial products of commercial banks inChina.In view of the existing problems in the second part,the author proposedlegislation suggestions:one is should to establish the protection system of individualinvestors of financial products of commercial banks;two is should to establish thesystem of business license of financial products of commercial banks;three is shouldto establish the civil liability of violating the obligation of information disclosure bycommercial banks.