Research On The Protection Of Financial Consumer Rights Of Personal Wealth Management Business In China's Commercial Banks

As the developing of the national economy and enhancing of national income,many people have more and more idle funds but don't know how to preserve or increase the value.With the development of era,and leading by the developed country's bank,the commercial banks private financing business developing rapidly in our country,so,there are many problems in theory and reality.For allusion of these problems,this article uses the theory of literal interpretation and compares analysis.So this article gives some advice for financial customer protection in Commercial Bank's Personal Financial Management Services.This article contains three parts:the introduction,the main body of article,and the conclusion.The main body of this article divide into six parts:The first part is mainly about background of research,method of research and innovation.The second part is mainly about the basic theories of commercial bank's personal financial management services which include the implied meaning,category and the nature of legal relation.These three parts are the most important content for commercial bank's personal financial management services,especially the last one.Different legal relations decide directly the limit of obligation that the commercial bank should bear in specific personal financial management services and also relate the protection for the right of financial consumers.The third part is regard to the theory basis of protection for the right of financial consumers in the commercial bank's personal financial management services which includes the concept of financial consumers,the value analysis of the protection and its economics theory.The fourth part is mainly about the protection for the right of financial consumers in the commercial bank's personal financial management services in the developed country.The fifth part content regarding the current situation and existing problems of protection for the right of financial consumers in the commercial bank's personal financial management services.It mainly comprises the current situation and problems of legislation,the current situation and problems of the supervision for commercial bank's personal financial management services and the existing problems for the dispute settlement mechanism and protection mode.The six part is the suggestions aiming at the problems posed in the third part.These suggestions are presented from the following four aspects:the legislation,the supervision for commercial bank's personal financial management services.The emphasis of the thesis is protection for the right of financial consumers in the commercial bank's personal financial management services.It explores the core factors of the financial consumers' protection mechanism and states the important value of protection for the right of financial consumers in the commercial bank's personal financial management services.This thesis not only discusses the basic theory of the protection for the right of financial consumers but also provides the prospective and specific suggestions which include the analysis in supervision and the investigation in the reform of protection mode.It tries its best to protect the right of financial consumers in Chinese commercial bank's personal financial management services.