论商业银行与理财客户之法律关系的信托属性  

On the Trust Attributes of the Legal Relationship between Commercial Banks and Financial Clients

作　　者：王旭 WANG Xu(School of law,Fuzhou University,Fuzhou,Fujian 350108,China)

机构地区：[1]福州大学法学院,福建福州350108

出　　处：《南京航空航天大学学报（社会科学版）》2021年第1期72-77,共6页Journal of Nanjing University of Aeronautics & Astronautics（Social Sciences）

摘　　要：在商业银行非刚性兑付类理财产品中,银行与客户之间的法律关系实质是信托关系而非委托代理关系,其法律特征无论是从委托授权以及财产独立性等角度分析均符合信托法律关系特征,应确认其具有信托属性进而统一适用信托法,从而解决“分业经营、分业监管”原则所导致的具体适用规则混乱,并进一步推动信托受托人义务、责任等相关制度的发展完善。In the non-rigid cashing financial products of commercial banks,the legal relationship between banks and customers is in essence a trust relationship rather than a principal-agent relationship.Its legal characteristics are in line with the characteristics of trust legal relationship no matter from the perspective of entrustment,authorization or property independence.Therefore,we should confirm its trust attributes and apply the trust law uniformly,so as to solve the problem of“separate operation and separate supervision”,which often leads to the confusion of the specific application rules.So trust attributes can further promote the development and improvement of the relevant system of trust trustee’s obligation and responsibility.

关 键 词：商业银行 理财产品 信托实质 

分 类 号：D922.282[政治法律—经济法学]