论文部分内容阅读
2012年1月1日银监会颁布的《商业银行理财产品销售管理办法》正式实施,以此规定为代表的法律规制都存在着无法突破的瓶颈,这“瓶颈”的根本原因为法律的低效应用。在银行个人理财领域,法律对于消费者的倾斜性保护,并没有起到真正应有的效用,大量的倾斜性保护条款被“搁置”。信息不对称的法律解决路径是权利的倾斜性配置,为此,需要完善信息披露和说明义务的保障措施作为有效信息工具,并借助独立的纠纷解决机构,必要时可对其进行自主召回,将解决法律的低效应用现象作为归结点。
On January 1, 2012, the Measures for the Administration of Sales of Wealth Management Products of Commercial Banks promulgated by China Banking Regulatory Commission (“CBRC”) were put into practice. As a result, there are bottlenecks that can not be breached in laws and regulations represented by this regulation. The root cause of “bottlenecks” is the low law Effect In the field of bank personal finance, the legal protection of consumers against tilt does not really work, and a large number of oblique protection provisions have been “shelved.” Information asymmetry is a legal solution to the dialectical allocation of rights. Therefore, it is necessary to improve the safeguards for information disclosure and accountability as an effective information tool and, through independent dispute resolution agencies, conduct voluntary recalls if necessary. Solve the phenomenon of inefficient use of the law as a summary of the point.