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作为一种创新型金融服务,商业银行个人理财业务近年来得到了飞速的发展。然而,由于我国商业银行的监管机制尚不完备,相关政策法规制定滞后,在去年年初的“零收益”事件和愈演愈烈的全球性经济危机的冲击下,银行理财产品负面新闻不断,保护投资者合法权益已经刻不容缓。从法律性质分析,在个人理财业务中,商业银行与投资者之间应属信托关系,在此基础上,为整顿混乱不堪的银行理财产品市场,全面保护投资者合法权益,我国应引进借鉴英美信托制度规范银行与客户权利义务关系,更好的维护客户的权益。
As an innovative financial service, commercial bank personal finance business has been rapid development in recent years. However, as the regulatory mechanism of commercial banks in our country is still not complete, the relevant policies and regulations are lagging behind. Negative news of the financial products of banks is constantly under the impact of “zero return ” events and the global economic crisis at the beginning of last year, protecting investors Legitimate rights have been urgent. From the legal nature of the analysis, in the personal financial business, commercial banks and investors should belong to a trust relationship, on this basis, in order to rectify the chaotic banking financial products market, the full protection of the legitimate rights and interests of investors, our country should introduce the Anglo-American The trust system regulates the rights and obligations of banks and customers, and better protects the rights and interests of clients.