Research Legal Regulation Of Chinese Financial Products Of Commercial Bank

With the recovery of the global economy,China's economic construction has also been steadily increasing.Accumulation of personal wealth has grown dramatically.Existing wealth management products have also exposed a series of problems while satisfying people ' s growing demand for professional wealth management.For example,wealth management products do not have a clear and explicit legislative system in terms of design sales,disclosure of risk information,and the rights and interests of financial investors.Legal relations and characterization are not yet clear in our country,and a unified and perfect legal system has not yet been formed.The level of legislation is relatively low and supervision is imperfect.There is no unified and clear legislative and regulatory system for reasonable guidance and promotion.This exposes the growing number of wealth management products from time to time.In view of the operational status and problems of China's bank wealth management products,how to strengthen the legal regulation of wealth management products,and put forward specific operational recommendations and countermeasures,in order to promote the healthy and stable development of wealth management business,has become a theory that needs to be solved in China's financial market.Practical issues.This article comprehensively uses the social investigation method,comparative analysis method and normative analysis method,and based on the objective status quo of the development of financial products in China's commercial banks,tries to discuss the main legal issues facing the development of wealth management products from the perspective of legal regulation.Through in-depth analysis of the operational status of China's commercial banks' wealth management services,this paper draws on and references the experience of legal regulation of foreign financial wealth management services,and attempts to propose specific legislative measures and recommendations for regulating the financial services of China's commercial banks in order to promote the standardized and orderly development of the wealth management products market..The main content of this article consists of five parts.The first part is an overview offinancial products of commercial banks.It is mainly about the characteristics of financial products and its legal nature.The second part is the analysis of the status quo of the operation of wealth management products of China's commercial banks and the problems existing in the operation of the commercial banks,and analyzes the reasons behind the problems and the legal risks they face.The third part is the normative analysis of the current legislation of China's commercial banks' wealth management products.By studying the existing legislation and its existing defects,we will finally elaborate on the causes of the defects.The fourth part is the elaboration of the legal regulation of financial products of commercial banks in developed countries such as the United States,Germany,and Japan,as well as the enlightenment and reference for the financial products of commercial banks in China.The fifth part is to put forward concrete countermeasures and proposals for improving the legal regulation of financial products of commercial banks in our country.