The Study On Government Regulation Of Financial Products

Since the reform and opening up,my financial industry system reform has been in full swing,especially after the 19 th CPC National Congress,the scope of financial industry opening up to the outside world has been further expanded,and our commercial banks have also launched many innovative financial products based on this trend.At the same time of prosperity,China's Internet financial products in recent years,the risk of mine risk has increased,for the development of China's commercial banks financial products sounded an alarm,so how to further strengthen the regulation of China's commercial banks financial products,to maintain the orderly development of China's financial market is the current imperative.Based on the above background,this paper applies the relevant knowledge of finance,monetary banking,financial innovation theory,market failure theory,information asymmetry theory and financial supervision,insists on the research logic of "trinity" of asking problems,analyzing problems and solving problems,uses the methods of empirical research and historical research,combines the risk cases of some wealth management products of commercial banks in China,a bank customer questionnaire,a bank manager interview data,etc.,and collates and classifies the typical cases of bank wealth management product violations in recent years.Based on the above facts and arguments,we have summarized the current problems of commercial supervision in China,and on the basis of a comparative analysis of the successful practices and beneficial experiences of government supervision of commercial banks in developed countries,and in close cooperation with the regulatory practices in China,we have proposed measures to improve the level of government supervision of commercial banks' financial products in China under the new situation from the four levels of laws and regulations,regulatory system,regulatory support and public supervision.The innovation of this paper is that it combines the specific practice of bank finance products.Compared with previous studies,this study has conducted case analysis and questionnaire survey at the same time,and the arguments are detailed and reliable,which more comprehensively depicts the current regulatory status and problems of bank finance products in China.