我国银、证、保理财业务法理明确和统一的制度缺失与应对

System Absence of Clear and Unified Jurisprudence for Financing Businesses in China's Banking,Securities and Insurance Industry and Countermeasures

我国金融理财业的法律基础有待进一步夯实,需要从法理层面明确和统一金融理财业务的法律依据。从理论和实践层面看,我国金融理财业务主要按照信托模式开展业务。由于我国金融分业经营体制的影响和我国信托法律体系的内在缺陷,各类理财业务各自为政,既形成金融机构间不公平竞争,又造成受托人法律责任的缺失。所以可考虑从更高的层面上建立对国内各种形式理财业务的统一规范标准,为各类金融机构开展业务找到坚实的法律依据,以维护我国理财市场的公平竞争,从制度上保证金融理财市场持续稳定健康发展。

The legal foundation of China＇s financing business is still weak. We need to set up clear and unified jurisprudence for financing business. From the angle of theory and practice, the operation of China＇s financing business follows trust pattern. Due to the impact of separated operation of financial system and the intrinsic defects of China＇s trust legal system, each type of financing business runs separately, causing inequitable competition among fi- nancial institutions and the absence of trustee＇s legal obligation. We may set up unified criteria for all types of financing businesses, and provide solid legal foundation for financial institutions. Thus we can ensure equitable competition in financing market and the stable and healthy development of China＇s financing market.