第1个回答 2009-05-31
相关制度政策的制约还表现在相应法律制度的不完善。这种不完善一方面表现在我国现行法律对商业银行开展的个人理财业务的法律性质没有明确的界定，对实践中普遍存在的保底条款的效力也没有统一的认识。另一方面，由于分业经营政策的管制，商业银行的个人理财业务，实则为委托理财业务，商业银行更多的是扮演着中间人的角色，为客户与第三方金融机构搭建桥梁。信用问题因此变得极其重要。然而事实是，目前我国缺乏对委托理财业务相应的法律法规予以有力的监管规范，客户利益同样缺乏有效的法律保障，再加上银行与其他金融机构开展委托理财业务存在不公平竞争等方面问题。
总结来说，如何对中国商业银行个人理财业务进行定性，我国还没有相应的法律制度给以明确结论，加之我国长期以来形成的分业经营的模式，现有的各行业法律法规没有形成完整体系，各项规定还似有矛盾之处，让人无所适从。如何进行监管，我国的监管部门并没有经验，个人理财业务中的诸多法律问题还有待完善。
3.1.2 市场环境的制约
相比国外开放的市场化利率和对中间业务产品的定价权，给商业银行自主经营提供了广阔的空间，使他们能够按照自己的市场定位和经营思路制订价格并设计产品，促进各项业务的发展，我国目前尚未实行利率市场化，商业银行对个人理财产品并没有自主定价权，因此银行间的竞争只能通过产品和服务进行，而无法在货币价格上给予客户更多的优惠，更无法通过货币价格在产品上有所创新，这也使得中国商业银行个人理财业务的发展必然受到局限。
System of policy-related constraints is also reflected in the corresponding legal system is far from perfect. On the one hand, such a perfect performance in our existing laws on commercial banks to conduct personal financial business, there is no clear legal definition of the nature of the practice prevailing at the end of the terms of the effectiveness of security there is no unified understanding. On the other hand, as a result of separate operation of the control policy, commercial banks, personal finance business, but in reality for the trust management business, commercial banks are playing a greater role of intermediaries, customers and third-party financial institutions to build a bridge. Credit has become extremely important issues. The fact is, however, the current lack of trust management of China's business laws and regulations to be appropriate and effective regulatory norms, the same lack of customer interest and effective legal protection, coupled with banks and other financial institutions entrusted to carry out financial operations, such as the existence of unfair competition aspects.
In conclusion, how the commercial banks of China's Personal Financial Services qualitative, our country's legal system does not give the corresponding definite conclusion, in addition to the long-standing points of our business model, the existing laws and regulations of the industry does not form a complete system , the regulations also seem to have contradictory, confused people. How to carry out supervision, China's regulatory authorities and lack of experience, personal financial business in the many legal issues remain to be perfect.
3.1.2 market environment constraints
Compared to open market of foreign interest rates and products of intermediary business pricing power, independently of commercial banks to provide a broad space, enabling them to according to their own market positioning and business ideas to develop and design products prices, and promote the business development, our country has yet to implement market-oriented interest rate that commercial banks on the personal financial products do not have their own pricing, so the inter-bank competition can only be carried out through the products and services, and prices in the currency can not give customers more benefits, but can not currency prices through innovative products, which makes China's commercial banks of Personal Financial Services will be subject to the limitations of the development.