A Study On The Government Regulation In The Transaction Personal Finance Product Market Of Bank Financial Products

As the economy reform and innovation,has the development of our country commercial bank also entered a new period of development.Under the changing of market economic system,commercial Banks in China have developed all sorts of personal finance products,arguably became one of the major forms of financial innovation,this undoubtedly push our country commercial bank business category to a new endpoint.Through relevant data show that the present include China construction bank,agricultural bank and so on four big commercial Banks,financial institutions have reached more than 500 different kinds of personal finance products,with assets totaling more than 10000 one hundred million yuan,not only sort is various,and the money on a considerable scale.But in the process of the launch of the personal finance business,there are many imperfections,definitely will produce a lot of risk,its product performance regulation have been unable to meet the risk control,only the power of the government into personal financial business of commercial bank effective regulation,to ensure the normal operation of the financial system.This article is based on the new era background of the development of China's financial sector and the government regulation and other related theory,selected the construction bank of A case,the government regulation on commercial bank personal financing business problems were discussed and make analysis and research,the present construction bank A branch of government supervision,investigation of the current situation of personal finance business to find out the existing problems,combining the concrete practice in our country,and to this item,comparison and analysis of developed countries for reference the successful experience of business regulation,explore under the new situation to promote the development of the our country commercial bank individual financing business for the government regulatory measures.In this paper,the research for government regulation of the personal financial business of commercial Banks play a reference role,both is advantageous to the our country commercial bank personal finance the innovation of the research paradigm of government regulation and protect the interests of investors in China financial investment,but also to our country commercial bank individual financing business and the healthy development of intermediary business and other deep development offinancial system reform in our country and the safe and efficient operation of capital market.