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随着经济快速的发展和国家金融政策的改革,我国商业银行的个人理财业务进入高速发展的时期,但是,也存在着诸多问题,特别是法律监管制度方面的缺位,使民众的合法权益得不到可靠保障,很大程度上阻碍了个人理财业务的良性发展,更有可能会对我国金融体系的稳定造成威胁。文章通过探讨我国商业银行个人理财业务在法律监管上存在的问题,提出了相应的完善建议,以期能为我国商业银行个人理财业务法律监管体系的构建提供参考,保障个人理财业的健康发展。
With the rapid economic development and the reform of national financial policies, the personal financial management business of our country’s commercial banks has entered a period of rapid development. However, there are also many problems, especially the lack of legal supervision system, so that the legitimate rights and interests of the public The lack of reliable protection has, to a great extent, hampered the sound development of personal financial services and is more likely to pose a threat to the stability of China’s financial system. By discussing the problems existing in the legal supervision of personal financial services in China, the article puts forward corresponding suggestions for improvement so as to provide a reference for the construction of legal supervision system of personal financial services in our country and guarantee the healthy development of personal financial management.