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Research On The Information Disclosure Obligations In The Personal Financial Management Business Of Commercial Banks

Posted on:2016-04-26Degree:MasterType:Thesis
Country:ChinaCandidate:Y LiFull Text:PDF
GTID:2296330461463615Subject:Economic law
Abstract/Summary:PDF Full Text Request
In recent years, with the implement of national policy, the better and faster economic development,people pay more and more attention on personal finance and wealth management business.With Financial services market development, new consumer rights protection law in 2013 adopted a series of relevant laws and regulations, financial services business in China developed. However, in the context of economic marketization, our country bank personal financial business market development need the government-led regulation of bank business main body through the macroeconomic regulation and control, standard bank main body behavior, prevent bank business risks, fundamentally promote the healthy development of the bank personal financial business market. This article try to bank personal financing business information disclosure system analysis, at the same time through research and analysis of foreign financing business market development mature state bank personal finance business information disclosure system, draw lessons from the experience, offer a thought for development of personal financial business market in China, put forward the relevant personal finance business full disclosure of information system development direction.Specifically, this paper will be divided into four parts.The first part, it is the general theoretical analysis of commercial bank personal financing business. In this part, first of all bank personal finance business of relevant concepts are briefly introduced, the basis for subsequent research, are introduced in the second quarter the institutional economic theory and legal norms. The third section is risk analysis of commercial bank information disclosure.The second part, it is our country existing bank personal finance business present situation and problems of information disclosure system. Firstly analysis the Chinese bank financing business information disclosure system of relevant laws and regulations, based on this, points out the problems of bank information disclosure obligations, including the system of legal norms, some problems in the design, supervision and responsibility.The third part, foreign information disclosure in the financial services business of legal norms, the related system, supervision, responsibility, etc., and through the experience of the United States, Britain and Japan, they have in common, some enlightenment and reference.The fourth part, the related Suggestions to perfect the information disclosure obligation system in China. In front of the analysis and research, on the basis of a few parts, starting from the actual situation in our country, draw lessons from foreign advanced experience, put forward the suggestion perfecting financing business information disclosure system in China.
Keywords/Search Tags:Commercial bank, Personal financing business, Financial product, Information disclosure obligation
PDF Full Text Request
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