Research On The Supervision Of Wealth Management Products Of Commercial Banks

Since the reform and opening up,the reform of the financial industry system has been deepening day by day.Especially after the 19 th National Congress of the Communist Party of China,the scope of opening up of the financial industry has continued to expand.In this context,my country’s commercial banks have successively launched a series of innovative wealth management products and entered a stage of rapid development.However,in recent years,domestic Internet wealth management products have continued to experience problems.This directly affects the development of wealth management products of commercial banks in my country.Therefore,in order to guide the wealth management products of commercial banks in my country towards a sustainable and stable development path.It is particularly important for us to explore industry supervision methods and implement the supervision system.Based on this,this thesis makes full use of the knowledge of money and banking,finance and other related disciplines,is based on the theory of information asymmetry,financial innovation and other theories,adheres to the argumentation logic of raising questions,analyzing problems and solving problems,and comprehensively uses literature research method,comparative research method and case study method.First of all,this study expounds the supervision theory of commercial bank wealth management products,analyzes the current situation of commercial bank wealth management supervision,puts forward the problems existing in the current supervision,and further systematically analyzes the causes of the problems.On the basis of drawing on,comparing and analyzing the successful practice and beneficial experience of government supervision on wealth management business of commercial banks in developed countries,the author puts forward the countermeasures to improve the level of government supervision on wealth management products of commercial banks in my country.These countermeasures include improving the regulatory system,improving the regulatory support,innovating the regulatory model,increasing regulatory accountability,and optimizing the public regulatory system.This research will serve as a reference for the Chinese government to supervise the personal financial management business of commercial banks.This is conducive to innovating the research paradigm of government supervision on personal financial management of commercial banks in my country,and is also conducive to protecting the financial investment interests of Chinese investors.In addition,this research is also conducive to the steady development of personal financial management business and other intermediary businesses of my country’s commercial banks,the in-depth development of my country’s financial system reform,and the safe and efficient operation of the capital market.