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