商业银行个人理财业务信息披露法律问题研究  

The Legal Problems of Commercial Banks' Disclosure of Personal Finance Business Information

作　　者：董新义[1] 李雨菡[1] 

机构地区：[1]中央财经大学法学院,北京100081

出　　处：《江汉大学学报（社会科学版）》2018年第1期47-54,共8页Journal of Jianghan University(Social Science Edition)

摘　　要：在金融创新的浪潮下,商业银行个人理财业务发展迅猛,但同时也产生了一系列问题,其中,因信息披露引发的争议尤为突出。我国商业银行个人理财业务信息披露的现实样态,个人理财业务信息披露现状中存在的问题源于制度供给的短缺。个人理财业务信息披露制度在基本原则、实体性的披露要求、程序性的披露规定等方面存在不足,应坚持有效披露原则,尝试分类披露制度,提高信息披露的针对性、明确性、持续性,创新披露方式和进行投资者教育来完善我国的商业银行个人理财业务信息披露制度。The wave of financial innovation has prompted the development of personal finance business in commercial banks along with a series of problems, the controversy caused by information disclosure in particular. The authors of this paper find that the way the information is disclosed and the problems are all the result of the shortage of institutional supply. Concerning personal financial business information disclosure, there are defects in basic principles, substantive requirements, and procedural regulations. To improve commercial banks' personal financial business information disclosure system in China, the paper advocates the principle of effective disclosure, the trial of classified disclosure, the enhancement of disclosure's pertinence, clarity, and persistence, innovation of disclosure methods, and investor education.

关 键 词：商业银行 个人理财业务 信息披露 

分 类 号：D912.281[政治法律—民商法学]