Research On Legal System Of Information Disclosure Of Personal Banking Business In Commercial Banks

Due to the development of the economic level,the increase in disposable income of residents,people’s demand for investment and financial management is becoming more and more urgent.Although there are stocks,funds and other investment methods for people to choose,due to the low risk of bank financial products and people’s trust in commercial banks,most people still choose.Bank financial products come as their own investment target China’s wealth management market has also developed rapidly through this shareholder trend.According to relevant data,by the end of 2017,the balance of bank wealth management products in China reached 30 trillion yuan.Although the bank financial products market is booming,we cannot ignore the problem that the information disclosure of bank wealth management business is not in place.Many disputes have arisen.Information disclosure is an indispensable part of commercial bank wealth management business.It not only requires the requirements of regulatory agencies,but also protects consumers’ right to know to a certain extent,and balances the unfair trading position between consumers of wealth management products and banks.To some extent,the phenomenon of information asymmetry has been alleviated.Improving the information disclosure system for wealth management products of commercial banks is of great benefit to the establishment of an open and transparent financial market.This article is divided into four parts.The first part focuses on the concept and classification of personal wealth management business,analyzes the institutional structure of financial bank information disclosure of commercial banks,and expounds the legal theory and economic theory related to financial information disclosure system,providing the following institutional improvement path.Theoretical support.The second part analyzes the shortcomings of the current commercial bank’s personal ability wealth management information disclosure system by combing the current normative documents on bank wealth management business and the empirical investigation of bank information on wealth management products in real life.The third part is a brief analysis of the information disclosure system of the financial and financial markets in the United States and Japan,and selects the shiningpoints of its system for reference.The fourth part,based on the analysis of the above parts,based on the current normative documents and actual investigations in China,analyzes the various problems that arise in the actual operation of the system design and system,and draws on the United States and Japan.On the basis of advanced experience and lessons,we will make recommendations on the improvement of the information disclosure system for personal wealth management business of commercial banks in China.