Legal Research On Supervision Of Asset Management Product Rigid Payment

Rigid payment of asset management products refers to the behavior of an asset management institution that promises to protect its own insurance income when conducting asset management business,or to pay against its own funds or other funds when the asset management products are difficult to pay.Asset management products are rigidly redeemed and there are risks that distort market operations,infringe on investors' interests,and accumulate systemic risks.Therefore,effective management and prevention must be carried out.This paper focuses on breaking the concept,harm,causes and preventive measures of rigid payment of asset management products.The full text is divided into four parts:The first part describes the definition of asset management products and an overview of legal issues.From the definition of asset management,it defines the definition of rigid payment of asset management products,and then analyzes the background of the rigid problem of asset management products,and the legal attributes involved in rigid payment.Analyze.The second part describes the harm that the existence of rigid payment brings to the asset management market.Rigid payment is an important manifestation of the distortion of the asset management market.The distortion of the asset management market characterized by rigid payment will give negative negative incentives to market institutions and investors,violating the basic legal principles of financial supervision and specific legal provisions.By stimulating market institutions and investors to make distorted market operations,the entire market mechanism will be distorted,the risks of investors and institutions will expand,and systemic risks will continue to gather.The third part is the analysis of the causes of the distortion of the asset management market.As an important manifestation of the distortion of the asset management market,the causes of rigid payment are also complex,multi-level and multi-faceted.The reasons why the existing asset management institutions have promised to investors in violation of regulations,but also the reasons caused by shadow banks,as well as the reasons behind the lag of legislative concepts and lack of supervision.The fourth part is to explore ways to improve the legislation and administrative supervision measures of the asset management industry and prevent rigid payment.Rigid payment is not an independent legal issue or financial issue.The rigid payment component is complex,the logical chain is long,the regulatory agencies are numerous,and the legal provisions are cumbersome.To solve the rigid payment problem,it is necessary to comprehensively supervise and supervise the whole process from the height of preventing and remedy the serious financial risks.And coordinated supervision.This part puts forward specific measures to prevent rigid payment,such as conducting penetrating supervision,effectively controlling shadow banking,establishing macro-prudential legislative framework,and improving industry administrative supervision measures,for different reasons.Measures and implementation approaches.