试论商业银行理财产品的法律风险及对策  

Discussion on the legal risks and countermeasures of wealth management products of commercial banks

作　　者：陈宇翔 Chen Yuxiang(Zhejiang Taizhou Huangyan Rural Commercial Bank Co.,Ltd.,Taizhou,Zhejiang,318020)

机构地区：[1]浙江台州黄岩农村商业银行股份有限公司,浙江台州318020

出　　处：《市场周刊》2024年第5期162-165,共4页Market Weekly

摘　　要：随着国民经济的发展,商业银行推出理财产品的种类更加丰富,得到了社会大众的广泛认可,但同时也带来了更多的法律风险。商业银行理财产品与传统业务不同,在金融投资与理财方面的法律规定上仍处于空白或模糊不清的状态,给银行和投资者双方均带来不小的困扰。文章从商业银行、投资者二者的角度出发,概括了银行理财产品法律风险的种类,分析了影响理财产品风险的因素,总结了导致理财产品出现法律风险的原因,并提出了相应的防范措施,为商业银行提供参考。With the development of the national economy,commercial banks have launched more abundant types of wealth management products,which have been widely recognized by the public,but at the same time,they have also brought more legal risks.Unlike traditional businesses,commercial banks'wealth management products are still blank or vague in terms of legal provisions on financial investment and wealth management,which has brought great trouble to both banks and investors.From the perspectives of commercial banks and investors,this paper summarizes the types of legal risks of bank wealth management products,analyzes the factors affecting the risks of wealth management products,summarizes the reasons for the legal risks of wealth management products,and puts forward corresponding preventive measures to provide reference for commercial banks.

关 键 词：商业银行 理财产品 法律风险 

分 类 号：F830.33[经济管理—金融学]