The Legal Protection Of Individual Investor Rights Of Commercial Bank Financial Products

The bank financing business develops quite fast these years in our country. The bank financial products are such popular in China that influence many investors’ interest. However, the issue of commercial bank violating personal investors is quite general universal and serious, which is detrimental to the protection of personal rights and stability of economic order. Investors’ status in financial market and their rights protection determines the maturity of financial market. So this paper consider it is urgent to realize the widespread protection to investors’ rights through law. First, this paper define the personal financial products investors of commercial bank. Second, this paper illustrate the issue of commercial bank violating personal investors is quite general universal and serious in China. However the protection of law exists some dilemma. Third, this paper put forward three study methods: bring in the perspective of financial consumers’ protection, towards a functional supervision mode, supply the dispute solutions. Last, this paper build corresponding legal system in view of the above ways.Except for the foreword and the epilogue, the paper can be divided into four parts.The first part,makes a fundamental interpretation of commercial bank financial products investors which is the point of departure of the paper,and which has a significant impact on later part.When researching this concept, comprehending and defining commercial bank financial product is the first step.Through the above analysis,We concluded that those investors don’t include enterprise, because they are not “Vulnerable Groups”.The second part, discussing the current situation and existing problems of legal protection of individual investors of financial products of commercial banks in China.In summary,said that the issue of commercial bank violating personal investors is quite general universal and serious,but the protection of law exists some dilemma,this section is for the first part of sublimation,also the next part of the bedding.The third part,putting forward the study method of protection of individual investors rights of financial products of commercial banks in China.This part is the core of the paper which play a function of making a bridge,and play a direct role in guiding choice of system. The contents include:1.Bring in the perspective of financial consumers’ protection, from theory and practice are discussed the feasibility of the route and and analyzes the necessity;2.Towards a functional supervision mode,separately from the subject of supervision mode selection, subject, regulation, methods four aspects are discussed;3.Supply the dispute solutions,it can learn from foreign experience.The forth part, putting forward the legal suggestions about improving and perfecting the protection of individual investors rights of financial products of commercial banks in China.The protections include that:1.Improve the system of financial consumer protection in all kinds,include:consumer rights and interests protection institution,reasonable customer ratings system,group litigation system;2.Improve the system of regulatory protection,include business integrated supervision system,information disclosure system,monitor responsibility system,mechanisms for rating information;3.Build the alternative dispute resolution,include the introduction of ADR and supporting systems.The epilogue part makes a brief summary,and show our expects of the legal protection of individual investors rights of financial products of commercial banks.