监管视角下的银行理财乱象研究.doc

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摘要:随着国内银行理财产品规模的不断扩大,理财产品逐渐成为国内商业银行重点发展的业务。但由于我国的投资者的专业素质参差不齐,商业银行理财业务在发展理念、营销手段、服务水平等方面都存在明显的不足,国内对理财产品的监管法律也比较少,监管手段也比较落后,银行理财出现了很多乱象。这些乱象不仅给投资者带来损失,也为银行的信誉风险埋下了隐患,给监管机构的公信力蒙上了阴影。在金融体制亟需深化改革的今天,银行理财成为商业银行中间业务的重要收入来源。一旦利率市场化后,银行靠存贷差获取高额利润的时代将一去不返,理财业务可能成为商业银行的利润重心。只有规范的理财产品市场,才有利于商业银行的长远发展。本文从监管的角度来分析银行理财的种种乱象,对银行理财出现乱象的原因进行研究分析,并通过分析银行的监管试图了解目前监管缺失的原因,是监管政策的不适应,还是相关监管的不足。最后,希望通过对监管和乱象原因的研究给出相关解决措施,保护投资者的权益,健全银行理财产品的监管机制,完善金融市场。

关键词:理财乱象  信息披露  监管缺失

 

ABSTRACT:With the domestic banks continue to expand the scale of financial products, financial products gradually become a key development business of domestic commercial banks. However, due to China's quality of professional investors is uneven. Commercial banking wealth management business in the development of philosophy, marketing tools, technology support, product innovation, integrated services. There are obvious deficiencies. Domestic legal regulation of financial products is relatively small, and regulatory means is relatively backward, there have been many bank financial chaos. The chaos not only cause losses to the investors, but also for the bank's reputation risk potential problems, giving regulators cast a shadow over the credibility. Financial system is in urgently need of deepening reform today,the bank financial intermediary business to become important sources of income. Once the interest rate market, the era in which the banks rely on deposits and poor access to high profits will be gone forever, wealth management business will likely become the focus of commercial banks' profits. Only standardized financial products market, commercial banks can develop in the long-term.This paper attempts to analyze from a regulatory point of view of all the chaos bank financing, bank financing appear on the causes chaos research and analysis, and by analyzing the banking supervision to try to understand the reasons for the current lack of supervision. Is the regulatory policies suited, or relevant regulatory deficiencies. Finally, I hope through the study of the causes chaos regulatory and give relevant solutions to protect the interests of investors, improve the regulatory mechanism of financial products, improve the financial markets.

Keywords: bank finance, information disclosure, chaotic phenomena

 

   由于金融监管的滞后,理财产品中出现大量的不规范操作。如果不及时对理财市场及时做出整改,不仅会严重损坏投资者的利益,银行也会因此流失大量客户,不利于银行理财业务的长期可持续性发展。而银监会对银行理财的监管不力,不仅会制约银行理财进一步的创新发展,也会降低自身的公信力。而我国投资者队伍的综合素质参差不齐,许多投资者在不了解理财产品的风险属性的情况下对理财产品盲目追捧,最终给自己带来了损失。理财产品作为金融创新的产物,具有一定的超前性,目前的监管体系和监管法律往往跟不上理财产品的发展速度。

 

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