近年来,在利率市场化、金融脱媒化的大背景下,随着银行同业竞争的日益加剧和消费者需求的日趋多样化,资金池理财产品成为国内商业银行理财业务的主流运作模式,并成为各家商业银行中间业务 In recent years, under the background of interest rate liberalization and financial disintermediation, with the increasingly intensified horizontal competition among banks and the increasing diversification of consumer demand, wealth management products have become the mainstream mode of operation for domestic commercial banks’ wealth management businesses. Become all commercial bank intermediary business