Research On Some Problems Of Information Disclosure System Of Financial Products Sales Point

Many financial products in the sales model, in the bank or other financial institutions, to provide financial products or services to consumers in the way of financial products has been showing a new trend. But in reality, due to the state of the financial institutions to sell financial products, the legal norms of the restrictions are not strict, and some financial institutions themselves lack of effective internal and external restraint mechanism, sales personnel irregularities cheat consumers, consumers’ right to know and the right to fair trade, to consumers with great economic and material losses. This paper analyzes the defects of China’s current financial product sales point information disclosure system, through the analysis of its theoretical basis and practical value, learn from foreign advanced legal norms, in-depth study of the relevant international documents theoretical results, explore the basic principles of financial products sales point of information disclosure, and improve the financial products sales point of information disclosure system.This paper is divided into three parts:introduction, text and conclusion. The main body is divided into five chapters. The first chapter, through the description and analysis of a case of information disclosure on the sales point, pry into the current situation and the lack of information disclosure system of financial products in china. First, this chapter describes a bank employee due to the lack of strict compliance with the consumer financial product information disclosure obligations, resulting in the bank’s point of sale of bank financial products, the final purchase of the insurance company’s financial products. And then through the analysis of the case, the present stage of our country’s financial products sales point of information disclosure system is flawed, the main information disclosure obligations of the main provisions of unknown.The second chapter is the analysis and demonstration of the theoretical basis and practical value of the information disclosure system of financial products. This chapter describes the theoretical basis of the information disclosure system from the consumer rights protection law, civil law, the principle of good faith in civil law, financial market information asymmetry three aspects, the establishment of the system to maintain the financial consumer’s right to know, financial relief, financial education, is conducive to the fair competition of financial institutions, Enhancing the international influence of China’s financial service industry.The third chapter analyzes the main concepts, core elements and main principles of the information disclosure system of financial products, and concludes the general framework of the system. In this chapter, we first define and resolve the basic concepts of financial products, financial products sales point, and then compare the system with the listing Corporation information disclosure system, and put forward the idea of establishing financial product sales information disclosure system. Then, the paper further studies the main elements of the main body, contents, methods, objects and the legal responsibility of breach of disclosure obligations. Finally, some basic principles that should be followed in the establishment of the system are summarized. The key information principle, the free disclosure principle, easy to compare and understand the principle, the principle of information and Principle of interest balance.The fourth chapter studies how to improve the information disclosure system of China’s financial products sales point. This chapter starts from the three main bodies of financial institutions, investors and government, and analyzes the reasons for the development of the information disclosure system in China at present stage. Then, according to our country’s system development lag, combined with foreign advanced legislative experience and measures, from the system legislation, system supervision, financial institution management, financial consumption education four aspects proposed to improve the sales point information disclosure system legislation level, establish independent financial consumer protection agency, establish financial institutions internal complaint handling mechanism, strengthen financial consumer financial education and many practical measures, for our country to establish and improve financial products sales point information disclosure system.