北京航空航天大学学报(社会科学版) ›› 2015, Vol. 28 ›› Issue (1): 70-75.DOI: 10.13766/j.bhsk.1008-2204.2014.0445

• 本期特约专家稿件 • 上一篇    下一篇

银行销售信托产品承担什么责任?

朱伟一   

  1. 中国政法大学 比较法研究院, 北京 100088
  • 收稿日期:2014-09-12 出版日期:2015-01-25 发布日期:2015-01-24
  • 作者简介:朱伟一(1959-),男,江苏宜兴人,教授,博士,研究方向为证券法、资本市场.

What Should be the Liabilities for the Banks Selling Trust Products?

Zhu Weiyi   

  1. Comparative Law College, China University of Political Sciences and Law, Beijing 100088, China
  • Received:2014-09-12 Online:2015-01-25 Published:2015-01-24

摘要:

遇到理财产品或信托到期无法兑现,当初销售该产品的银行应当承担什么责任,是一个涉及多方利益的重大问题。代销银行在法律上负有注意责任。如果银行向投资者提供了投资咨询意见,则银行必须承担受信责任;如果理财产品或信托产品被界定为证券,则银行可以被界定为承销商,承担相应的责任。总之,银行销售理财产品或信托产品,不能逃避其必须承担的责任。

关键词: 信托产品, 理财产品, 投资顾问, 受信责任, 承销商

Abstract:

Many parties have significant interests at stake when it comes to the liability of the bank which sells trust products on which issuers have defaulted. The bank selling the product should be liable. The bank owes investors fiduciary duty if it advises the investors on the purchase. The bank may also be liable as an underwriter if the trust product is defined as a security. In short, the bank which sells trust products or wealth management products should not be free from legal liabilities.

Key words: trust products, wealth management products, investment adviser, fiduciary duty, underwriter

中图分类号: