摘要
个人综合理财在国内银行业务中的重要性日渐突出,其法律问题和法律、合规风险亟待关注。为准确界定综合理财业务的提供银行与投资者之间关系,应区分综合理财业务的类别,并从解释论和价值论两种角度分析。个人综合理财业务存在合规风险引发的法律风险、消费者保护方面的法律风险和衍生产品交易方面的法律风险,在其具体运作模式中也会产生信托理财的一般法律风险、不同信托模式的特殊法律风险等。银行在理财业务中的合规风险则主要体现在客户关系、产品管理、内控管理以及投资管理等领域,并须特别关注银信合作、境外理财等专门领域合规风险。
Integrated personal wealth management is becoming more and more important in the whole bank＇s bussiness, and banks need to pay more attention to its legal problems, legal risks and compliance risks. In order to precisely identify the relationship between banks which provide such service and investors, the paper classifies the types of integrated personal wealth management, and analyses them from two angles of interpretation and value. The business＇s legal risks may arise from compliance risks, consumer protection issues and derivatives transactions. In various operation patterns, wealth management based on trust will face some common legal risks, and different trust modes may result in their own speical legal risks. Compliance risks in the bussiness mainly occur in the fields of customer relationship, products management, internal control management and investment management, and banks should pay special attention to the compliance risks in overseas wealth management and cooperation between bank and trust.
出处
《金融论坛》
CSSCI
北大核心
2011年第9期57-64,共8页
Finance Forum
关键词
商业银行
个人综合理财
信托
法律风险
合规风险
风险防控
commercial bank
integrated personal wealth management
trust
legal risk
compliance risk
risk precaution
