The Research Of Commercial Bank NEEQ Investment Investor Protection

The urgent needs of the investors who does not meet the access threshold of NEEQ market participate in investment of NEEQ meet the reality requirement of commercial bank asset-light transition.That ‘s why the NEEQ investment appears.In the current regulatory body to be established as a principle of regulatory rules sub-sector regulatory system,commercial banks NEEQ as a typical cross-investment financial investment products,which can not be effectively meet investor protection in the existing regulatory system,it is necessary to explore what kind of investor protection meets the current realities.How to define the main participants of commercial banks NEEQ in China? Financial consumers or investors,it exists disagreements both in theory and practice to decide which kind of law system is fit for it.From the demarcation of extraterritorial investors law concept,how to define the main cross-finance sector participants? There isn't an absolute agreement.Combined with the definition of cross-finance sector investors in foreign countries,we can see that investors and consumers should distinguish between "profit" and "risk" as a consideration criteria.Nowadays,there are two types of more mature model in commercial banks NEEQ investment.But they exist these disadvantages: the scope of protection is not thorough,lack of proper control,protection mechanisms are inadequate,attached to the financial regulation," Foreign countries had formed valuable experience to imitate on Investor protection.For instance,they had built a complete investor protection system,scientifically defined the scope of investor protection,perfected the behavior rule of those who work in finance,designed a wide range of relief remedies,strengthened the punishment for violations and so forth.By comparing with the advanced experience of extra-regional countries across the financial sector investor protection,combined with the reality of “One Bank Three Commissions” supervision system.We can see that the cross-finance sector investor protection in our country should improve the scope of investor,strengthen the proper control of investors,transform the financial regulatory philosophy,create a diversified investor protection,omnibearingly protect legitimate rights and interests of investors.