商业银行理财产品监管的价值选择和制度构建

Value choice and system construction of financial products supervision of commercial banks

摘要:(摘要内容经过系统自动伪原创处理以避免复制,下载原文正常,内容请直接查看目录。)

贸易银行理产业品最近几年来的疾速扩大,使得贸易银行理产业品的各项风险迸发的能够性激增,个中最为风险的是体系性风险。银行业是金融市场的基本行业,一旦贸易银行理产业品产生体系性风险,对全部银行、银行业和全体经济将发生极年夜的伤害。现有贸易银行理产业品监管束度没法对贸易银行理财营业停止有用监管,涌现了监管空白、监管套利,隐瞒风险等景象,伤害了金融轨制的稳固,伤害了投资者好处。贸易银行理产业品监管束度存在上述成绩的关键在于监治理念的不准确,监管者没有理清贸易银行理产业品触及的三个价值:次序、效力与公正三者的寄义和关系,在监管中单方面以“次序优先”或“效力优先”的价值理念为指点,形成监管束度的缺点。贸易银行理产业品是市场竞争的产品,产物的自然属性决议了其寻求的是效力,采取各类监控手腕预防金融风险追求的是市场的稳固,即保证市场次序,掩护投资者的好处彰显的是公正。贸易银行理产业品现有的监管束度更多的是次序与效力价值之间的博弈,而疏忽公正价值。2008年金融危机给了全球一个警示,疏忽次序和公正价值,一味寻求金融市场效力抓紧监管听任市场自在势必招致金融次序的崩坏,经济的停止乃至发展。现实上,次序、效力与公正三项价值看似抵触抵触,实际上是对峙同一,只要包管贸易银行理产业品市场次序的有序、平安与稳固,能力为银行理产业品市场高效运转供给优越的情况,给投资者供给更完美、周全的掩护,投资者才会更情愿将资金投向这个范畴从而增进银行理产业品市场效力的进步。是以,在往后贸易银行理产业品监管束度的构建进程中,应在新型的“次序优先,统筹效力与公正”的价值理念指点下,完美功效监管、强化银行外部治理、充足施展行业自律等轨制进一步保证贸易银行理产业品次序的稳固,同时,明白银行理产业品司法性质、构建和完美代表人诉讼等各项投资者救援和掩护轨制,以增长司法对弱势群体的掩护,彰显公正价值。以增进我国银行理产业品市场的稳健成长,繁华金融市场为实体经济家当供给优越的本钱支撑。

Abstract:

Trade bank products in recent years the rapid expansion of the banking trade products the risk of sudden to surge, the most risk is systematic risk. The banking industry is the basic industry of the financial market, once the trade bank products produce system risk, will greatly harm to all banks, the banking industry and the economy. Existing commercial banks and industry regulation of beam no method of commercial bank financial management business effective supervision, emerging regulatory gaps, regulatory arbitrage, conceal risks and the scene and hurt the financial system stability, damage the interests of investors. Bank Trade and industry regulation of beam is key to the achievement is inaccurate supervision governance idea, regulators have no clear commercial bank product hit three value: the implied meaning and relationship of order, efficiency and justice, in the supervision of the unilateral "priority" or "the priority validity of value philosophy as a guide, the formation of regulatory constraint shortcomings. Industrial and commercial bank is the product of market competition, the nature of the product decided to seek is effectiveness and to take all kinds of monitoring means to prevent the pursuit of financial risk is a solid market, to ensure that market order, highlighting the benefits of protecting the investors' justice. The trade bank products the existing regulatory system is more of a game between the order and the effect of the value, and neglect the value of justice. The 2008 financial crisis to the global, a warning, negligence of order and justice value, blindly seeking financial market force to seize the regulations allow free market is bound to lead to the collapse of the financial order, economic stop and development. Reality, order, effectiveness and value of just three seemingly conflicting information, is actually a confrontation with, as long as ensures commercial bank and industrial goods market order orderly, safe and stable, ability for the bank and industrial products market, operating supplies superior situation, to provide investors with more perfect, comprehensive cover, investors will be more reluctant to invest the funds in this category to enhance bank product market effect of progress. That is, in the next trade bank and industry supervision degree bundle construction process should be in the new "priorities and overall effectiveness and justice value concept under the guidance, perfect efficiency supervision, strengthen external governance of banks, cast sufficient self-discipline rail system to further ensure industrial goods order solid science and trade bank. At the same time, understand the bank manager industry product judicial nature, construct and perfect the representative action the investors rescue and cover rail system, in order to increase the judicial protection of vulnerable groups, to reveal the fair value. To improve China's banking industry product market of steady growth, the bustling financial market capital support for the real economy belongings supply superior.

目录:

摘要6-7
Abstract7-8
导言11-13
第一章 商业银行理财产品的价值选择13-28
    第一节 商业银行理财产品及其价值取向13-16
        一、 商业银行理财产品概念界定13-15
        二、 商业银行理财产品价值取向15-16
    第二节 商业银行理财产品效率取向与系统性风险16-22
        一、 商业银行理财产品追求效率价值更易引发系统性风险17-21
        二、 商业银行理财产品爆发系统性风险的后果21-22
    第三节 商业银行理财产品监管的必要性22-28
        一、 商业银行理财产品效率取向决定监管必要性22-23
        二、 商业银行理财产品效率取向产生监管漏洞23-25
        三、 商业银行理财产品的监管制度各项价值的平衡25-28
第二章 商业银行理财产品监管价值:秩序、效率与公平28-43
    第一节 商业银行理财产品监管制度的法律价值体现28-32
        一、 秩序表现为商业银行理财市场的稳定与安全28-29
        二、 效率代表市场各主体的利益及金融资源的有效配置29-30
        三、 公平体现为投资者利益保护30-32
    第二节 商业银行理财产品监管法律制度的价值博弈32-39
        一、 秩序、效率与公平价值博弈32-34
        二、 商业银行理财产品监管之价值模式34-39
    第三节 我国商业银行理财产品监管价值取向39-43
        一、 秩序价值:商业银行理财产品法律监管其他价值实现基础40
        二、 效率价值:商业银行理财产品法律监管的重要目标40-41
        三、 公平价值:商业银行理财产品法律监管的应有之义41-43
第三章 我国商业银行理财产品监管制度构建43-52
    第一节 维护金融秩序:完善商业银行理财产品监管制度43-47
        一、 实现混业经营与功能监管43-45
        二、 强化约束机制和内控机制45
        三、 行业自律与监管功能45-46
        四、 严格执法与创新监管方式46-47
    第二节 实现公平价值:投资者权益保护救济制度的完善47-52
        一、 明确银行理财产品法律关系,完善投资人救济法律制度47-49
        二、 建立代表人诉讼制度49-50
        三、 规范信息披露50-51
        四、 建立理财产品投资者保护机构51-52
结论52-53
参考文献53-59
作者在攻读硕士学位期间公开发表的论文59-60
致谢60