Research On The Improvement Of Investor Protection Of Commercial Bank Personal Financial Services

The development of Personal Financial Services of Commercial Bank of China can be described by leaps and bounds in recent years, but after the financial crisis in 2008,"zero yield","negative gain"phenomenon occurs frequently. Due to information asymmetry and other factors, weak investors sufferring huge losses of assets had nearly no way to complaint, under such circumstances, they had to court for help, but without exception, they failed at the end.In order to protect investors adequately, with analyzing the theory of information asymmetry, stricter information disclosure obligations should be imposed to the banks in this article. With the relevant provisions, the obligations of information disclosure of commercial banks contains implement of"suitability principle"and fully informed of product information. Through the specific interpretation of these two aspects, the auther analysis existing problems from legislative, regulatory and judicial, and finally proposed useful recommendations for the protecion of investors in China.