近年来,我国银行理财业务发展迅速,但商业银行在开展业务中的违规操作行为、理财产品收益下降等引发投资者与商业银行之间的纠纷。在这类案件中,原告的主要诉求或者为主张合同无效,请求银行返还全部投资金额;或者主张银行违反相关法规或注意义务,请求银行负担损害赔偿责任。但在此类案件中,多数情 In recent years, the bank’s wealth management business in our country has developed rapidly. However, the non-compliant operation of commercial banks and the decline of the revenue from wealth management products have triggered disputes among investors and commercial banks. In such cases, the plaintiff’s main appeals either invalidate the contract, request the bank to return the full amount of the investment, or claim the bank to breach relevant laws and regulations or take note of the obligation, and ask the bank to bear the liability for damages. However, in such cases, most of the situation