摘要
本文通过梳理目前银行理财业务中出现的各种"乱象",即"资金池"管理模式、不当销售、关联交易无防火墙、理财产品投资不真实、信息披露不充分,进而剖析产生上述问题的根源。从本质上看,以上问题是对理财业务的信托法律关系认识不清和理解不透造成的。商业银行控制理财业务风险应确保理财资产独立、实行资金托管、严密监督关联交易、防止不当销售以及提高信息披露透明度。由此,文章提出发展商业银行理财业务的相关政策建议:抓紧着手银行理财业务立法、建立统一协调的监管体制、密切监督理财产品营销行为、督促银行建立理财风险管理体系。
This paper summarizes the problems currently in bank's wealth management business,i.e.'fund pool'management mode,improper sale,related party transaction without a firewall,untrue investment in wealth management products,inadequate disclosure of information,and then analyses the cause of the above problems.In essence,the wrong understanding of the trust legal relationship of wealth management business is the cause of the above problems.To control the risk of wealth management business,commercial banks should ensure the independence of wealth management assets,implement asset custody,supervise related transactions,prevent improper sale,increase the transparency of information disclosure.Thus,the paper proposes following policy recommendations for the development of wealth management business:to promote the legislation of wealth management business,establish a unified and harmonious regulation system,supervise the sale of wealth management products,urge banks to establish risk management system of wealth management products.
出处
《金融论坛》
CSSCI
北大核心
2014年第2期48-52,共5页
Finance Forum
关键词
商业银行
理财业务
资产托管
风险控制
信息披露
commercial bank
wealth management business
asset custody
risk control
information disclosure
