Research On The Legal Issue Of Subcontracting In Construction Project Of Our Country

With China’s sustained economic growth, people’s living standards and incomeincrease year by year, the continued accumulation of personal and household wealth,people are no longer satisfied with traditional investment channels, and graduallyincrease the financial needs of the professional. Therefore, in recent years, PersonalFinancial Services is showing a trend of rapid growth. However, commercial banks inChina Personal Financial Services have been expanding, the continuous innovation offinancial products, financial markets appear more and more disputes.These phenomena, I think the main reason for our Personal Financial ServicesDevelopment time is shorter, and financial market business model, lack of supervisoryexperience as well as our existing personal financial legal system is imperfect: forexample, the concept of personal finance is chaotic and uncertain, the legal nature isunknown, the lack of protection of legitimate rights and interests of financialconsumers. Therefore, China’s commercial banks and customers face greater legal risksand investment risks in the banking process; continue to lead to legal disputes. It is onthis basis, the legal system to in-depth study of commercial banks in China PersonalFinancial Services, in order to put forward to improve the legal regulation of PersonalFinancial Services countermeasures.Firstly, in accordance with the CBRC promulgated the relevant laws andregulations of the Commercial Bank Personal Financial Services Interim Measures forthe Administration, a brief introduction of the concept, content and features of PersonalFinancial Services, and personal financial products for different types of analysis toexplore the legal relationship it contains. On the status quo basis of the analysis of thecurrent legal regulation of commercial banks in China Personal Financial Services, toexplore the main problems of the legal system of Personal Financial Services, and cause analysis. Then, respectively, cited the advanced development experience indeveloped countries such as the United States, Australia, the legal basis of the personalfinance business in Japan alone, the business model, risk prevention, regulatory modelsand features, and this draw. Finally, I analyze and summarize, abstract legislation andspecific system to improve the legal regulation of commercial banks in China PersonalFinancial Services. Legislation to establish in order to protect the interests ofconsumers-oriented value orientation; specific system, starting from the financialconsumer, commercial banks and regulators in three different main perspective, acomplete set of specific system of legal regulation of commercial banks PersonalFinance.