保本类理财产品是商业银行理财产品的一种常见类型,该类产品在产品的购买协议中约定客户本金不受损失,即使产品没有达到预期效果,投资者也至少可以收回本金。保本类理财产品发展迅速的原因该类理财产品是商业银行增加存款规模的工具。在信贷紧缩的形势下,商业银行想通过放贷来派生存款的难度越来越大。另外,由于物价上涨,实际利率水平几乎为负数,商业银行存款的增速也持续下滑;商业银行还受到监管层对 Preserving financial products is a common type of commercial bank financial products, such products in the product purchase agreement agreed client principal is not lost, even if the product did not achieve the desired effect, investors can at least recover the principal. The reasons for the rapid development of wealth management products of the type The wealth management products are tools for commercial banks to increase the scale of deposits. In a tightening credit situation, it is more and more difficult for commercial banks to derive their deposits through lending. In addition, due to rising prices, the real interest rate is almost negative, the growth of commercial bank deposits also continued to decline; commercial banks are also supervised by the