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近年来商业银行在销售理财产品过程中同客户存在着诸多法律纠纷,探讨并解决商业理财产品销售过程中存在的法律问题,对银行业健康稳健合规的经营以及保护金融消费者合法权益具有重要意义。本文首先对理财产品的基本分类进行了简单介绍,在揭示商业银行销售理财产品存在那些法律问题的基础上,提示银行业销售理财产品中如何避免法律风险并加以防范,以期银行能够达到稳健经营的目的。
In recent years, commercial banks have many legal disputes with their customers in the process of selling wealth management products. It is important to discuss and solve the legal problems existing in the sales process of commercial wealth management products, to manage the banking industry healthily and steadily and to protect the legitimate rights and interests of financial consumers significance. This paper first introduces the basic classification of financial products, commercial banks in the sale of wealth management products that reveal the existence of those legal issues, suggesting that the banking industry to sell financial products how to avoid legal risks and to guard against banks in order to achieve stable operation purpose.