金融机构保底理财的合法性迷局与困境  

Legitimacy Puzzle on Monetary Management with Guaranteed Minimum Return

作　　者：郭雳[1] 

机构地区：[1]北京大学法学院,北京100871

出　　处：《北京大学学报（哲学社会科学版）》2006年第5期111-119,157,共10页Journal of Peking University(Philosophy and Social Sciences)

基　　金：国家自然科学基金资助项目--WTO与中国商业银行的改革与创新(70373012)

摘　　要：目前各类金融机构保底理财的合法性不一,其间差异存在某些现实合理性;要从整体上解决这一问题,尚缺乏坚实的法律和理论依据;分业部门割据影响到属性认定,并在一定程度上加剧了规范分歧。建议国务院加快牵头研究并出台《信托机构管理条例》或《金融机构客户资金管理业务试行办法》。There exist differences in terms of legitimacy as to the monetary management service with guaranteed minimum return offered by various financial institutions. It is difficult to solve the problem as a whole due to the lack of legal and theoretic foundations. Coordinated new rules are demanded to suit the reality and level the playfield.

关 键 词：金融机构 金融创新 保底理财 合法性 

分 类 号：D922.28[政治法律—经济法学]