| 挂钩型理财产品若干法律问题研究 |
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| 引用本文： | 潘修平,王卫国.挂钩型理财产品若干法律问题研究[J].河南省政法管理干部学院学报,2009,24(5):60-65. |
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| 作者姓名： | 潘修平 王卫国 |
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| 作者单位： | 1. 北京邮电大学法律系,北京,100088
2. 中国政法大学民商经济法学院,北京,100088 |
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| 摘 要： | 挂钩型理财产品，是指该产品的收益与一些指标相挂钩。挂钩的指标五花八门，挂钩的方法有正向挂钩、反向挂钩、双向挂钩、组合挂钩等。商业银行对募集的理财资金的运用与所挂钩指标毫无关系，二者在不同体系中各自运行。投资者与商业银行之间是一种射幸合同关系。由于投资者对理财资金没有“理财利益”，所以挂钩型理财产品带有一部分博彩性质。笔者认为，挂钩指标不宜过多、过滥。在挂钩方式上，尽量采取正向挂钩的方式。商业银行应尽量将理财资金用于与挂钩指标同行业的投资，使资金运用与指标之间建立起一定的关联关系。中国银监会应对挂钩型理财产品实行严格的准入制度，对资金的运用应当进行严格监管。
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| 关 键 词： | 挂钩 理财产品 射幸合同 理财利益 |
A Research on Some Questions about Link Financial Products |
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| Pan Xiuping,Wang Weiguo.A Research on Some Questions about Link Financial Products[J].Journal of Henan Administrative Institute of Politics and Law,2009,24(5):60-65. |
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| Authors: | Pan Xiuping Wang Weiguo |
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| Institution: | 1. Beijing University of Posts and Telecommunications, Beijing 100088 ;2. China University of Political science and Law ,Beifing 100088 ) |
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| Abstract: | Link financial products mean the profits of the said products are linked with some indicators which are diverse ：positive, negative, bidirectional, combination, to name a few. Commercial banks＇ exertion of the financial funds collected has nothing to do with those link indicators for they operate in respective systems. The relationship between investors and banks is kind of aleatory contracts. Since investors have no financial profits out of financial funds, link financial products bears the character of aleatory. The author believe that the category and quantity of link indicators should be limited. As for its link mode, positive link is a best choice. It is appropriate that commercial banks invest financial funds into industries within the same category with link indicators. CBRC holds the responsibity to set a strict admittance system for link financial products and put the exertion of financial funds under its supervision. |
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| Keywords: | link financial products aleatory contracts financial profits |
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