商业银行理财产品若干法律问题探讨

:1001-2397(2009)04-0060-09:2009-04-08:(1966-),,,,;(1951-),,,,1,2(11,100088;21,100088):,,,,,,,,,,,,,,:;;;;:DF433:ADOI:10.3969/j.issn.1001-2397.2009.04.07,,,,20061100,20073052,20084400,,,,,,4400,,,,,,:(),0620097314ModernLawScienceJuly,2009Vol132No.42008.(2008-11-20)[2009-01-25].(),,2007,2008,,,:11:,,,(),(),(),21:,,,,31;,,,41:,,,20072008,40%,,2008,(IPO),51QDII:QDIIQualifieddomesticinstitutionalinvestor(),,QDII,20060418,QDII(),,,,,,,,,,16,:(),,,,,,,,,,((),,:,,,,,,:(),,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,;,,20071211,,,,(),26.(2005-09-29)[2009-02-05].(09).,,,,,,,,,,,,()2:,,,,,,,,,,,,,(),,,,,,,,,,?,,,,:;,(),,,,,,,,,,,,,,,,,,MINI(),,,(),,,,,,,,,,36,:,,,,,,(),(),:,,;,;,,,,,,:11,,321,31,,,,,,()4400,,,,,,,,:11,,,,,,21,,,,,31,,,,46..(2009-01-01)[2009-02-05].(),,,,,,200710QDII,20071030,1,118%50%,2008318,,50%,,50%,,,,,,:,,,,118%,,,,,50%,,,,,,,,,,,,,,,,(),,,,,1500,98,,,,,,,,,,,,56,:.(2008-05-18)[2009-03-06].(2008-02-29)[2009-03-08].():,,,,,,,,,,,,,(),,MINI,,,,,:11,,,21,,16,,,31,,,,,,MINI,MINI,,,,MINI,,MINI,,,,,916,,HKATS,(),,,,,QDII,50%,30%,,66,?,,,;,,,,,,,,,,,;,,,:11,,,21,,,,,,31,,,,,41,,,,,,,,,,;,,,51,,(),:(1),;(2),;(3),,30%,,61,,,,,,,,,(),,,,,,,,76,:,,,,,,,,,ML:[1]2008.(2008-11-20)[2009-01-25].[2].(2005-09-29)[2009-02-05].[3]...2006,(9):24.[4]..(2009-01-01)[2009-02-05].[5].(2008-05-18)[2009-03-06].[6]..(2008-02-29)[2009-03-08].(1.BeijingUniversityofPostsandTelecommunications,Beijing100088;2.ChinaUniversityofPoliticalScienceandLaw,Beijing100088,China)Abstract:Therecentfinancialcrisishaswitnessedmoreandmorelegaldisputesarisingoutoforpertainingtocommercialbankfinanceproducts,tosettlewhichtherightsandobligationsofthepartiesconcernedandtheriskstheyshallassumemustbeclearlyascertainedanddetermined.Fromtheperspectiveoflaw,commercialbankfinanceproductscanbedividedintofoursorts,ofwhichthefloatingbenefitfinanceproductisofthemostimportance.Andbetweenthepartiesrelatedtotheproductthereexistsatrustrelationship.Whiletheproductscanbesoldinamixedway,theyshouldbemanagedandsupervisedseparately.Thetypesoftheproductsshouldbelimitedandthoseonsalemustbestandardized.Theterminalperiodfixedbythebankinthefinanceproductcontractisdeemedaninfringementofinvestorsrightsandthusisinvalid.Astothepledgeoftheproducts,thedefectsoftheRealRightActshallbemadeupwithadministrativeregulations.Onlyanegligentbankmaybeheldinlawsuittobeartheliabilitytocompensateforthefailureoffinanceproducts.ChinashouldamenditsCommercialBankActtoensurethefinanceproductstofallwithintheambitoftheAct.KeyWords:bankfinanceproduct;trust;pledge;terminalperiod;lawsuit.:86