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Research on the Legal Regulatory Issues of Commercial Banking Individual Wealth Management Products

Author: SunXiaoWei
Tutor: LuJiongXing
School: Xiamen University
Course: Legal
Keywords: Individual Wealth Management Product Regulatory Issues LegalCountermeasure
CLC: D922.281
Type: Master's thesis
Year: 2014
Downloads: 15
Quote: 0
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Abstract


With the development of China’s commercial banking individual wealth management products in decades, trends in product development from simple to complex, market from a single one gradually expands to larger scale, more and more individual investors participate in this market. As of2012, commercial bank has issued individual wealth management products in a total number of29100, to raise a total size of up to19.01trillion yuan. Comparing with western developed countries, the legal environment of China’s banking individual wealth management products is not good, large quantity of legal problems emerged in its develop and regulation process. All these issues become an obstacle to the bank to carry out banking financial services, and affecting the stability of China’s financial markets. What’s more, the legal regulatory issues increase the uncertainty of the transaction in individual wealth management products, which may lead frequent financial dispute. Because of the increasing diversity of banking individual wealth management products’structure and risk, it’s necessary to analyze the legal regulatory issues to find out the real problem so as to take effective regulation measures.This paper discusses the legal regulatory issues of banking individual wealth management products from four aspects. Chapter Ⅰ mainly introduces the concept and characteristics of banking individual wealth management products, and in the basis of tracing the history of products development to analyze the relationship between shadow banking and banking individual wealth management products. Chapter Ⅱ gives a detail and full explanation to the legal relation of banking individual wealth management products. Chapter Ⅲ based on the current situation of supervision of banking individual wealth management products to analyzes existing legal problems. Chapter Ⅳ attempt to put forward countermeasures in three aspect respectively are regulation mode, regulation statutes and investor’s interest.The innovation of this paper is based on the present situation of the development of Chinese commercial banking individual wealth management products, analyzes the relationship between shadow banking and individual wealth management products,and analyzes regulatory legal obstacles of commercial banking individual wealth management products in the mixed operation of banking, and finally proposes legal countermeasure to perfect regulatory of Chinese commercial banking individual wealth management products on the basis of both banks and investors sides.

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CLC: > Political, legal > Legal > Chinese law > Financial Law > Banking Law
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