作为利率市场化进程中的先行军,商业银行理财产品业务被推到前所未有的重要位置。理财业务有望成为商业银行探索利率市场化后经营模式的契机和平台。非银行投资机构对理财业务的窥视更是让商业银行感觉压力倍增。如何让银行理财产品从揽储工具的阴影中摆脱并走上正轨,是银行目前面临的重大挑战。 As the first march in the marketization of interest rates, the commercial bank’s wealth management products business has been pushed to an unprecedentedly important position. Wealth management business is expected to become a commercial bank to explore the business model of interest rates after the market opportunity and platform. Non-bank investment institutions peep money management business is even more pressure on commercial banks. How banks get their money-management products out of the shadow of storage tools and get on the right track is a major challenge the banks are facing now.