A Study On The Legal Issues Of The Classification Of Banking Financial Products

China’s banking regulation of financial products is a "legal cross" problem, which relates to the banking supervision and regulation, to trust property. The mode of "separate operation" corresponding "sub regulation" of financial products is not consistent, connotation and denotation, regulatory standards are not uniform. Should take the function of regulatory path, strengthen supervision and coordination, based on the balance of financial products innovation and legal supervision on the stability, the classification regulation ideas. The risk of financial system determines the basic principle of classification regulation must follow the effect of prudent supervision, quasi public product of financial decision classification regulation must be based on a unified regulatory framework, appropriate regulatory principles is the ideological root of regulatory classification, classification regulation is suitable for regulatory principles embodied in the specific work. The banking regulatory classification should adhere to the law, fairness, efficiency principle; the principle of unified supervision, scientific classification; the distinction, the difference principle; balance between innovation and stability, timely adjustment principle. In the specific implementation, the banking regulatory classification can be classified according to the subject, in the supervision of financial revenue is committed, financial management, financial object, risk level, the scale of the operation mechanism of financial products, investment capacity, risk tolerance, the establishment of qualified investors, operators access supervision, supervision isolation of risk supervision, risk supervision, bank trust filing regulatory transparency, supervision and other regulatory measures, the construction of rational investors and rational investment culture, promote the financial supervision of the professional, to improve the effectiveness of financial supervision. From the view of methodology, the bank financial products regulatory classification, working method is a kind of supervision.