考察诉至法院的案件可以发现,关于非公开信息披露的争议远比公开信息披露的争议多,涉及存贷款业务、理财产品、银行卡服务等各方面。但由于我国商业银行立法对信息披露规定不够细致,不同的法院在定性、责任分配等上面存有区别,为此需要司法机关及立法机关对商业银行信息披露进行更细致的规定。 When examining the case brought to the court, one can find that the controversy over the non-public disclosure of information is much more controversial than the disclosure of information and involves deposits and loans, wealth management products and bank card services. However, due to the lack of detailed and detailed rules on the disclosure of information in China’s commercial banks, different courts have different qualifications and responsibilities. Therefore, the judiciary and the legislature need to provide more detailed rules on the information disclosure of commercial banks.