Research On The Legal Issues Of Financial Product Pledge In Commercial Banks

With the help of Internet finance,the development of financial market presents a vibrant scene.In order to enhance the liquidity of financial products of commercial banks,commercial banks generally carry out the pledge business of financial products.Although this business effectively solved the financial products investors financing difficulties,but the business has a certain degree of legal risk.The main performance in the following three aspects: first,the commercial bank personal financial products pledge in the existing legal framework lack of basic support,making the validity of the financial products pledge contract in the judicial practice of doubt;Second,there is a lack of explicit publicity on the pledge of financial products of commercial banks Standards,the practices of commercial banks are very different,in judicial practice,there is a great difference in the identification of effective pledge publicity;third,the realization of financial products pledge rights of commercial banks also lacks corresponding safeguard measures.In this paper,based on the relaxation of the legal principle of real rights,the author puts forward that the validity of the pledge contract of financial products should be classified to apply the rules of the pledge of equity.On the basis of the status of the pledge of financial products of commercial banks,the public standard of pledge of financial products of commercial banks is established on the basis of the effectiveness of the publicity of property rights.To protect commercial banks from two aspects: the protection of priority and the preservation of goods.The realization of the pledge right of financial management products.