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作为商业银行的一种创新金融服务,理财产品从其出现就存在着矛盾与纠纷。由于我国商业银行监管机制的不完备,相关政策法规制定滞后,银行理财产品负面新闻不断增加。对个人理财产品法律性质规定模糊,产品独立设计能力欠缺,信息披露和风险的揭示的不完备,都有可能给投资者带来损失。作为监管机构和银行,只有明确理财产品的法律性质,建立产品独立设计能力,完善理财产品的信息披露和风险揭示义务,才能避免引发潜在的法律风险与纠纷。
As an innovative financial service of commercial banks, there are contradictions and disputes arising from the emergence of financial products. Due to the incomplete supervision mechanism of commercial banks in our country and the lags behind in the formulation of related policies and regulations, the negative news of financial products in banks is increasing. The legal nature of personal financial products, fuzzy rules, the lack of independent product design capabilities, disclosure of information and risk of incomplete, are likely to bring investors losses. As regulators and banks, only by clarifying the legal nature of financial products, establishing independent product design capabilities, and improving the disclosure of financial products and the obligation to reveal risks can we avoid potential legal risks and disputes.