个人理财业务中银行和客户的义务配置——基于产品和契约类型差异性的分析框架

发布时间：2018-01-05 02:30

本文关键词：个人理财业务中银行和客户的义务配置——基于产品和契约类型差异性的分析框架　出处：《金融论坛》2010年07期 　论文类型：期刊论文

【摘要】：针对银行个人理财业务,以现实案例为基础,本文提出了一个基于产品和契约类型差异性的分析银行和客户所应承担义务的框架。产品风险性、收益性(两者都应考虑程度和概率)、流动性(包括期限和提前终止条件)三大要素的匹配程度可用来度量客户风险和收益的不对称性,从而评判银行适当性和告知义务的履行情况。银行与客户间的契约关系差异也很重要,从一次性契约、多次契约到长期契约,客户的审慎义务有所放松;而对于银行适当性、告知义务的要求也应逐渐降低,但信义义务相应增强,审查重点也更多地转向利益冲突的防范。
[Abstract]:The bank personal financial services, based on the actual case, this paper proposes a contract and product type difference analysis based on the bank and the customer should bear obligations of the framework. The product risks, profitability (both of which should be considered and the degree of probability), liquidity (including term and early termination conditions) asymmetry the matching degree of the three factors can be used to measure the risks and benefits of customers, so as to judge the appropriateness and the obligation to inform the bank performance. The contractual relationship between banks and customers is also very important, from a one-time contract to contract, many long-term contracts, careful duty customers have to relax; the bank told adequacy. The compulsory requirements should be gradually reduced, but the fiduciary duty intensified prevention review focus more to conflicts of interest.

【作者单位】：北京大学法学院;北京大学ACOM金融信息化研究中心;光大证券股份有限公司投资银行部;
【分类号】：F832.2
【正文快照】： 近年来,中国银行业个人理财服务发展迅速,但针对银行开展业务时夸大收益、隐瞒风险甚至欺诈客户行为的批评也不绝于耳。在金融海啸引发的全球经济市场巨大动荡中,诸多个人理财产品更是损失惨重,引发了大量纠纷和诉讼。围绕规制银行个人理财业务的理论和制度设计,学术界和实

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