Research On Commercial Bank Financial Risk Controlled By Law

Consumers’ rights and interests protection is an eternal proposition, the commercialbank financing business is a social hot spot again, combining the two, how to safeguard therights and interests of financial investors is the motivation of this paper research. Based onthe legal control of financial risk in commercial bank as the research subject, to form theconfiguration analysis of rights and obligations. First introduces the basic situation ofcommercial bank financing business, such as business characteristics, the dilemma ofexistence, the main types, and puts forward the financing business major risks, divided intouniversality of credit risk, market risk, policy risk and inadequate disclosure of specialfuzzy, investors choose discomfort, revenue sharing, the risk; And analysis means of riskcontrol, that is, from the perspective of rights and obligations, the first part is how tochoose the qualified investors and giving investors the appropriate rights, mainly have aright to know, beneficial right and right of complaints, etc., the second part mainly forcommercial Banks to obligations, mainly is the duty of loyalty, prudence, confidentialityobligations, etc; The third part mainly analyzes the information disclosure obligation,discussed the legal requirements, the principle of disclosure, the disclosure of informationdisclosure requirements, etc. The fourth part analyzes the financial management in thebusiness relating to the third party compulsory limits. In the article the author combines alarge amount of wealth management business the terms of the contract is analyzed,involving the rights and obligations of the configuration proposed own view, in order toestablish a standardized financing business rights and obligations of the criterion, theconstruction of a healthy and orderly bank financial market development order, protect thelegitimate rights and interests of financial investors.