随着利率市场化和金融脱媒进程的不断深化,传统的依赖存贷利差的盈利模式受到很大挑战,商业银行迫切需要转变盈利模式,在此背景下商业银行纷纷加大力度发展中间业务,理财产品由于其相对普通存款利率较高的收益率以及较低的风险成为广大投资者的首选。但近期频频爆出商业银行在发行理财过程中操作不规范,信息披露不充分等问题,而且商业银行自身也有通过发行理财产品达到规避监管的目的,这就可能造成银行理财业务在快速扩张过程中产生风险隐患。%With the marketing of interest rate and the continuing deepening of financial disintermediation process,traditional profit model dependent on deposit and loan is seriously challenged,so commercial banks urgently need to change the profit model.In this context,commercial banks have increased their efforts to the development of intermediary business,due to its relatively higher deposit rate and lower risks,financial products have become the first choice for the majority of investors.However,it is frequently heard that commercial banks are not standardized in operating the issue of financial management and the information is disclosure or inadequate,while commercial banks attempt to achieve the purpose of circumventing regulation through the issuance of financial products.This may cause risks in the rapid expansion of bank financial scale.
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