我国商业银行个人理财业务监管研究

A study on the supervision of personal financial services of commercial banks in China

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。)

金融市场的开放与日渐成熟、国民残剩资产的增多日趋加年夜了居平易近的理财需求,人们有了残剩财富却没有时光、没有技巧去运营治理,小我理财营业随之发生。作为当今贸易银行的重要营业之一,小我理财营业对全部金融体系的影响力更加加强,关乎全部金融体系的稳固与平安。欲完成贸易银行小我理财营业的稳步疾速成长,必需重要完成对营业的有用监视。本文旨在研讨完成贸易银行小我理财营业的有用监管的办法与途径。经由过程对贸易银行小我理财营业的成长过程、近况停止深刻剖析,比较东方部门国度小我理财营业监管近况,找出监管缺乏地点,剖析监管缺少有用性的缘由,并针对性的提出改良营业监管的改良看法。本文重要内容以下:起首,对我国小我理财营业监管系统与轨制近况做了查询拜访与研讨,比较美国小我理财营业监管束度,接收自创其经历,联合我国国情,剖析我国营业监管存在的成绩。第二,摸索贸易银行小我理财营业获得有用监管的办法与门路。研讨小我理财营业面对的司法风险、立异营业风险,提醒风险的特别性及其特别构造,找到有用的改良途径,包含对不法的机构资金的监管、提醒风险提醒缺乏的成绩及其他违背有关司法、律例的成绩。第三,明白界定贸易银行小我理财营业的监管目的,提出有用监管束度的树立须要周全加年夜行业自律、当局监管、外部监视部分监视,一切相符市场成长请求与纪律并在监管得法情形下,不会激发太年夜风险的金融立异营业都应获得支撑与提倡,并归入司法监管系统,获得有用监管。详细从司法轨制保证和监管束度立异两个方面睁开评论辩论。对贸易银行小我理财营业的有用监管停止研讨任重而道远,是一个异常主要又极具挑衅性的课题。小我理产业品构造和风险日趋庞杂化和多样化的,疾速的产物开辟和弗成预知的经济金融情势急切须要实时调剂监管形式,完美监管司法轨制,从而完成有用监视的目的。

Abstract:

The opening of the financial market and the increasingly mature, national surplus assets increased day by day and the eve of the financial needs of the residents of the home, people have residual wealth but no time, do not have the skills to manage operations, the personal financial management business to ensue. As one of the most important business in commercial banks, personal financial management business of financial system influence even more, all about financial system stability and peace. To complete the trade bank personal finance steadily rapid business growth, must complete the monitoring of the important useful business. A useful regulatory approach this paper aims to study the trade bank individual financing business. Through the process of Commercial Bank of the personal financial management business in the process of growing, the status quo stop profound analysis and comparison Oriental Department National personal financial business supervision status, find the lack of supervision of the location and analysis of supervision lacks the usefulness of reason, and propose the improved view of improved business supervision. The important content of the following: first and foremost, the present condition on the personal financial management business of the regulatory system and rail system do query visit and discussion, the personal financial management business regulation in the United States beam degree, receiving their own experience, combined with China's national conditions, analysis of business supervision in our country existing achievements. Second, explore the Trade Bank of the personal financial management business regulatory approach and obtain useful opportunities. Research of the personal financial management business in the face of the legal risks, business innovation risk, and remind them of the risks of the particular and special structure, find useful improvement approaches, including the supervision of illegal financial institutions, remind risk remind the lack of results and other violations relating to the administration of justice, and the statutes of the results. Third, a well-defined Commercial Bank of the personal financial management business for regulatory purposes, puts forward some useful regulatory constraint establishment needs to comprehensive and industry self-discipline, regulatory authorities, external monitoring section monitors, all consistent with market growth request and discipline and under supervision wisely, not excited too big risk of financial innovation business should be supported and advocated, and included in the judicial supervision system, effective regulation. Detail from the two aspects of the judicial system and ensure regulatory system innovation and open discussion. Effective supervision of Commercial Bank of the personal financial management business research to go15, is an abnormal and challenging topic. Personal understanding of the structure of industrial products and risk increasingly complicated and diverse, rapid product development and Eph into predict economic and financial situation is an urgent need to adjust the regulatory form, perfect supervision legal system, thus completing the useful to monitor.

目录:

摘要4-6
Abstract6-7
1 导论11-18
    1.1 研究背景11
    1.2 研究目的及意义11-12
    1.3 文献综述12-16
        1.3.1 国内研究综述12-15
        1.3.2 国外研究综述15-16
    1.4 研究思路和方法16-18
        1.4.1 研究方法16
        1.4.2 研究框架16-18
2 商业银行个人理财业务及其风险理论概述18-33
    2.1 个人理财业务的基本涵义18-20
        2.1.1 个人理财业务的定义18-19
        2.1.2 我国商业银行个人理财业务的发展现状19-20
    2.2 我国商业银行个人理财业务的发展历程20-21
        2.2.1 形成阶段20
        2.2.2 波动阶段20-21
        2.2.3 发展阶段21
    2.3 我国商业银行个人理财业务的风险分析21-31
        2.3.1 法律风险23-26
        2.3.2 市场风险26-27
        2.3.3 操作风险27-31
    2.4 小结31-33
3 国内商业银行个人理财业务监管现状分析33-44
    3.1 监管体系33-36
        3.1.1 监管思路33-35
        3.1.2 监管组织35-36
        3.1.3 监管依据36
    3.2 现有监管体系的不足36-41
        3.2.1 监管法律制度不完善38-39
        3.2.2 监管作用发挥不足39-41
    3.3 小结41-44
4 部分发达国家和地区商业银行个人理财业务监管分析及经验借鉴44-49
    4.1 美国商业银行个人理财业务监管44-46
        4.1.1 美国金融监管发展历程45
        4.1.2 美国的金融监管理念45-46
    4.2 其它国家商业银行个人理财业务监管46
    4.3 发达国家和地区商业银行个人理财业务的监管制度经验总结46-48
    4.4 小结48-49
5 商业银行个人理财业务有效监管相关建议及其对策49-59
    5.1 有效监管的涵义49
    5.2 明确有效监管目标49-50
        5.2.1 金融监管法有效性角度49-50
        5.2.2 市场经济学角度50
    5.3 建立有效监管体系50-53
        5.3.1 有效监管法制化50-51
        5.3.2 有效监管模式的选择51-52
        5.3.3 创新监管制度的制定52-53
    5.4 监管措施的改进53-57
        5.4.1 面向金融监管机构监管措施54-55
        5.4.2 面向银行的监管措施55-57
        5.4.3 面向消费者个人理财建议57
    5.5 小结57-59
6 结语59-60
参考文献60-62
致谢62