论银行个人理财产品中欺诈行为的经济法规制

发布时间：2018-02-27 00:19

本文关键词： 银行个人理财产品欺诈行为经济法规制路径　出处：《烟台大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，我国银行个人理财产品呈现快速发展的趋势，但在民商法体系下，个人理财产品交易中设计过于复杂、不实告知、不当劝诱等欺诈行为横行。论文以欺诈行为这一种银行对消费者的权益侵害为切入，对银行个人理财产品欺诈行为构成要件、表现、危害进行界定，说明选择经济法理念来维护金融消费者权利的理论支撑，并针对经济法规制银行个人理财产品欺诈行为存在的障碍，描绘出银行个人理财产品欺诈行为的经济法规制路径。本文共有四部分：第一部分是对银行个人理财产品中欺诈行为的概述。在了解银行个人理财产品含义的基础上，通过分析对比民法与经济法对欺诈行为的界定，确定银行个人理财产品中欺诈行为的认定要件，最后简述银行个人理财产品中欺诈行为的表现与危害，增强对个人理财产品欺诈行为的认识。第二部分是论述银行个人理财产品欺诈行为经济法规制的理论依据。提出经济法理念比民商法思维更适于规制银行个人理财产品欺诈行为的观点，并从经济法的本质属性、“经济人”假设理论、银行与个人理财产品投资者的法律关系和民法体系对银行个人理财产品欺诈行为规制的缺陷四个方面论述支持观点。第三部分是分析银行个人理财产品欺诈行为经济法规制的障碍。在经济法框架下相关法律、法规也存在诸多空白、矛盾，存在着现实障碍、体制障碍、诉讼障碍，，要为受欺诈消费者提供一条畅通无阻的维权通道需要排除这些障碍。第四部分是提出银行个人理财产品欺诈行为在经济法理念下的规制路径。针对第三章所分析的问题，从完善银行理财交易中消费者倾斜保护制度、消费者保护立法与金融立法联动、健全银行监管机制、运用经济法思维处理银行个人理财产品欺诈行为纠纷四个方面，论述相应的措施。
[Abstract]:In recent years, the personal financial products of Chinese banks show a tendency of rapid development, but under the system of civil and commercial law, the design of personal financial products is too complicated to inform them. This paper focuses on fraud, which is a kind of bank infringement on consumers' rights and interests, and defines the elements, performance and harm of bank personal financial product fraud. This paper explains the theoretical support of choosing the idea of economic law to safeguard the rights of financial consumers, and in view of the obstacles existing in the regulation of fraud of bank personal financial products by economic law, describes the path of economic laws and regulations for the fraud of personal financial products of banks. There are four parts in this paper:. The first part is an overview of fraud in bank personal financial products. On the basis of understanding the meaning of bank personal financial products, through the analysis and comparison of civil law and economic law, the definition of fraud, Finally, the paper briefly describes the behavior and harm of fraud in bank personal financial products, and strengthens the understanding of fraud behavior of personal financial products. The second part discusses the theoretical basis of the economic regulation system of bank personal financial product fraud, and points out that the idea of economic law is more suitable for regulating bank personal financial product fraud than civil and commercial law thinking. It also discusses the supporting views from the following four aspects: the essential attribute of economic law, the hypothesis of "economic man", the legal relationship between banks and investors in personal financial products and the defects of the civil law system in regulating the fraudulent behavior of bank personal financial products. The third part is to analyze the obstacles of the economic regulation system of bank personal financial products fraud. Under the framework of economic law, there are many gaps, contradictions, practical obstacles, institutional obstacles, litigation obstacles, and related laws and regulations in the framework of economic law. These barriers need to be removed to provide unhindered access to fraudulent consumers. The 4th part is to put forward the regulation path of bank personal financial product fraud under the concept of economic law. In view of the problems analyzed in the third chapter, the author tries to improve the consumer protection system in banking financial transactions. This paper discusses the corresponding measures in four aspects: the linkage of consumer protection legislation and financial legislation, the perfection of banking supervision mechanism, and the application of economic law to the handling of fraud disputes of bank personal financial products.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：D922.29;D922.281

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