摘要
2021年正式落地的“跨境理财通”业务在一定程度上畅通了粤港澳大湾区个人投资者的跨境投资,为商业银行理财业务创造新契机。但与此同时,该业务的法律适用和监管管辖较为复杂,内地银行具体业务开展中的义务履行和责任承担等规定也有待细化,致使银行面临跨境外汇管制、跨境适当性销售、个人信息跨境传输、跨境投资纠纷处置和反洗钱等方面风险。本文对上述风险进行了深入剖析,并给出对策建议。
The Cross-boundary Wealth Management Connect officially implemented in 2021 provides individual retail investors with a convenient channel to make outbound investment,chartering a course to business innovation of commercial banks’wealth management businesses.However,this business is still subject to the intricacy of issues of applicable law and regulatory jurisdiction,as well as some murkiness and uncertainty in the rules of mainland commercial banks in relation to performance of relevant obligations and allocation of responsibility.As a result,commercial banks have to counter some legal risks stemming from foreign currency control regime,cross-boundary suitability requirement,cross-boundary transfer of personal information,resolution of cross-boundary investment disputes and anti-money laundering issues.
出处
《工程经济》
2022年第2期65-70,共6页
ENGINEERING ECONOMY
关键词
商业银行
跨境理财通
适当性义务
个人信息保护
跨境纠纷解决
反洗钱
Commercial Banks
Cross-boundary Wealth Management Connect
Suitability Requirement
Personal Information Protection
Resolution of Cross-boundary Disputes
Anti-money Laundering
