银行理财产品信息披露模式选择

信息披露是解决市场失灵的主要手段。市场现有自愿信息披露的边界与规制目标间存在差异,监管不足,诱发了市场一系列的问题。考察银行理财产品基本法律关系、分析产品运作模式、市场投资者与管理层的实际信息需求,银行理财产品目前应当建立以"强制披露为主,自愿披露为辅"的信息披露模式,强调运用强制信息披露制度,统一规范银行理财产品信息披露标准与内容。

The Selection of Information Disclosure Model for Bank Financial Products

Information disclosure system is the primary means to address market failure. There is a gap between the border of the exiting random disclosure model and the stipulated target for information disclosure system, the supervision of which is lacking, leading to a series of problems in market. According to the concrete legal relations of bank financial products, the business operation model of the products and the request of investors and supervisors for information, the paper argues that a model of mandatory disclosure with a supplement of voluntary disclosure should be established, stressing mandatory disclosure and unifying the criterion and content of information disclosure about bank financial products.