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随着金融改革我国商业银行个人理财业务迅速发展,这一过程中也有许多问题大量涌现,主要包括理财产品在信息披露制度中存在的问题、个人理财业务法律规定的模糊不清以及个人理财业务的金融监管体制严重滞后等。我国商业银行个人理财业务仍停留在新兴行业的起步阶段,尽管已经建立基本的理财业务流程和制度,但是许多法律规范与发达国家相比不够健全。
With the rapid development of personal finance business in commercial banks in our country, many problems have emerged in the process, including the problems of financial products in the information disclosure system, the obscurity of personal finance business law and the problems of personal finance business The financial regulatory system is seriously lagging behind. China’s commercial bank personal wealth management business is still in the initial stage of emerging industries. Although the basic financial business processes and systems have been established, many legal norms are not sound enough compared with developed countries.