银行理财业务乱象和治理  

Market Abuses and the Bank Wealth Management Business

作　　者：刘明勇[1] 

机构地区：[1]中国工商银行

出　　处：《金融市场研究》2018年第3期131-135,共5页Financial Market Research

摘　　要：受益于客户投资需求增长和金融市场投资产品日益广泛,近年来我国银行理财业务快速发展,但也伴生出误导销售、飞单私售、违规担保等金融乱象,引起社会广泛关注。监管机构也不断加大打击和整治力度,引导银行理财业务合规有序发展。本文重点结合银行理财业务的发展情况,分析理财业务风险的主要表现形式,提出相应管理措施建议,供银行机构和从业人员参考借鉴。The wealth management business of China＇s banks has made rapid strides in recent years, benefiting from an increase in investment demand from customers and a greater range of products in the financial market. At the same time, there has been widespread concern over a number of market defects, such as misleading sales tactics, disappearing orders, and problematic guarantees. Market regulators are continuously strengthening their ability to crack down on market abuses and guide the wealth management business in a more orderly direction. This article focuses on the development of the bank wealth management business and assesses the main areas of business risk. It also makes a number of management proposals that could be used as a reference for banking institutions and other participants in the business.

关 键 词：银行理财业务 金融乱象 风险 

分 类 号：F832.2[经济管理—金融学]