Evaluation On Information Disclosure Of Commercial Bank Financial Products

With the increase of average disposable income of the people,commercial personal finance services has developed fast.But meanwhile,many problems has been exposed which deeply restricts the development of our commercial personal finance.Proceeding from the reason of information asymmetry caused by the fact that the financial products' market of commercial bank isn't a strong form market,in the process of consumers' usual purchase of financial products provided by commercial banks,banks are more known well of the financial products information than consumers,which makes consumers in a weak position of information.Under the circumstance that the relevant laws and regulations are not perfect enough in our country,banks expose various questions when they disclose their financial products.Nowadays,it is a significant method to tackling all sorts of challenges which is caused by economic transition that we will develop and improve personal finance services as soon as possible.This paper studies the relevant laws and regulations and the information disclosure of financial products of commercial banks in China,and mining the problems exposed in the information disclosure of financial products stored in China's market.Meanwhile,this paper delineated the scope of some prerequisites in which a financial product evaluation system has been established.By bring the financial information disclosure of case Z bank into the evaluation system for scoring,we could get a more intuitive,quantitative and qualitative evaluation about information disclosure of Z bank financial product which could help us focusing on finding problems in the process of information disclosure of Z bank financial products.In the second chapter,through studying and combing the related literature of financial information disclosure of domestic and foreign commercial banks,this paper sums up the ways,contents and evaluation of information disclosure of financial products and reach a conclusion.Most of the previous literature studies focus on internal control,market supervision and information disclosure of banks themselves.However,the research on information disclosure of commercial banks' financial products is much less and the evaluation of the information disclosure of financial products is mostly based on qualitative description.In the third chapter,this paper summarizes the common problems in information disclosure of China's personal financial market by reading and sorting out the relevant literature on financial information disclosure of domestic and foreign commercial banks in the past.The fourth chapter is based on the principles and contents of the previous chapter.According to the basic attributes of financial products,this paper established the evaluation system of financial product information disclosure of commercial banks which can achieve qualitative and quantitative evaluation of information disclosure.In the fifth chapter,the paper brings the case Z bank into the system established in the previous chapter and makes qualitative and quantitative analysis and the final chapter draws some thoughts and suggestions on information disclosure of Z financial products.