Research On The Regulation Of The Commercial Banks Financial Products

With the advent of the wave of financial innovation, financial planning business also experienced a leap of development, at the same time, commercial banks financial products is also increasing and continuously enriching. This paper is divided into five chapters to explore the regulation of Chinese commercial banks financial products. The first chapter discusses the background and significance of financial products regulation and summarizes related domestic and foreign literatures. The second chapter discusses from the definition of China’s commercial banks financial products, then introduced financial products classification and reviewed the development history and current situation of financial products. As we have a preliminary understanding of the financial products, the third chapter analyzes the risk characteristics of the commercial banks financing products, so that we further defined the focus on the financial products regulation. The fourth chapter is focuses on the research of China’s commercial banks financial products regulation and has a detailed analysis of the regulatory agencies setting, information disclosure, investor protection and the problems in sales management, summarizing the advanced regulatory experience from the foreign, bringing some implications to improve our financial products regulatory system. The last chapter by the above analysis learn the advanced regulatory experience from the foreign, and propose a trinity of the internal, external and government regulatory measures that be suited to China’s national conditions and matched with the development of China’s financial market situation. The concrete is to perfect risk management and improve the quality of employees at the internal of commercial banks. In the external, the regulatory measures are making strict examination and approval of financial services, strengthening regulation of financial products sales, improving information disclosure and making strict supervision regulations. The government’s regulatory measures are developing regulation goal, changing regulatory model and enhancing investor protection.This paper uses the theory and practical method to extend the risk of commercial banks financial products to a specific practice, and then summed up the priorities and specific measures of financial products regulation. Using a comparative method through analysis of the foreign commercial bank financial products regulatory lessons and successful cases, and found some problems in China’s commercial banks financial products regulation, propose measures that our government and regulatory authorities to supervise the commercial banks financial products should be taken.