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银行等金融机构推出的个人理财产品,为银行综合类个人理财业务,银行以此筹集资金,然后再将资金用于其他金融工具的投资,最终获得损益分配。个人理财产品业务的推出,涉及到很多方面的问题和风险,其中法律风险是理财产品业务运作中的重大桎梏。本文先对银行个人理财产品运作过程中的法律风险成因进行分析,并在此基础上就如何加强银行个人理财产品的法律保护,谈一下个人的观点和认识,以供参考。
Banks and other financial institutions to introduce personal financial products for the bank integrated personal financial services, banks to raise funds, and then the funds used for investment in other financial instruments, and ultimately gain and loss distribution. The introduction of personal wealth management products business involves many aspects of the problems and risks, of which legal risks are a great maneuver in the operation of wealth management products. This article first analyzes the causes of legal risks in the operation of personal financial products, and on this basis, how to strengthen the legal protection of personal financial products, talk about personal opinions and understandings for reference.