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挂钩型个人理财产品作为一种结构化理财产品,其收益与特定的标的资产相挂钩,该标的资产在观察期内的表现将决定理财产品收益的高低。本文详细分析了挂钩型理财产品法律风险防范的几个方面,认为银行应在准确把握具体产品风险特点的基础上进一步完善产品说明书编制,向合适的销售对象销售产品,充分揭示产品风险,并重视售后信息沟通,尊重客户知情权。
As a structured wealth management product, pegged personal wealth management products are linked with specific underlying assets. The performance of the underlying assets during the observation period will determine the level of the wealth management products. This article analyzes in detail the several aspects of the legal risk prevention of pegged wealth management products, and believes that the bank should further improve the product specification compilation based on the accurate grasp of the risk characteristics of specific products, sell the products to suitable sales targets, fully reveal the product risks and attach importance to After-sales information communication, respect for the customer’s right to information.