The Report On The Regulation Of The Bank Wealth Management Products In L City

In recent years, with the rise and steady development of the Internet finance and capital markets modestly, a large amount of bank funds has been being invested into these fields.Moreover,because of change of the LDR and the divergence from the inspection evaluation criteria and the landed policy to cut interest rates,the bank WMPs has been being impacted.In 2014,the bank WMPs twisted and showed signs of shrinking,yields declining significantly.Along with the transformation, its underlying problems have been being highlighted.Especially in the underdeveloped and inactive financial regions, the regulators increasingly put attention to the problems of the bank WMPs in the aspects of exaggerated propaganda misleading sales and accounting at random.Banking supervision is an integral part of the bank innovation, and its purpose is to guide the bank innovation to serve the real economy and consumers better.In the process, regulation itself is in constant reform and development.To implement the large banking supervision priorities for 2014, L city CBRC branch,in combination with the practical situation, put forward five requirements and one of them is the increase on the analysis of the financial business and the effective risk prevention. However, there is no literature on the current regulation of the bank WMPs in L city to systematically make comprehensive analysis and research,corresponding regulation measures and means being difficult.From a particular view,this paper takes the bank WMPs in L city as the breakthrough point, collecting problems that exist in the daily regulation materials and by means of questionnaires and interviews. Based on the analysis of the weak and missing link of regulation at the grass-roots level,this paper puts forward several effective regulatory suggestions for improvement. The purpose of the paper is to foster the healthy market environment of the bank WMPs playing a role of its nature and to improve the quality and effect of the regulation,trying to provide a reference for regulation at the grass-roots level.