我国银行理财业务发展迅猛,但风险日益显现,矛盾集中于私售飞单、保底条款、银保理财等。目前法律的适用等问题理论和实践中的诸多争议,为快速、有效处理理财纠纷问题造成了障碍。宏观上,应完善法律法规体系、健全监管机制。微观上,加强投资者风险评估与信息披露制度,实施理财产品销售“双录”。 Bank of China’s wealth management business is developing rapidly, but the risk is increasingly apparent, the contradiction is concentrated in the private sale of fly bills, the end of the terms, bank protection and wealth management. The current controversy in the theory and practice of the application of law has created obstacles to the rapid and effective handling of financial disputes. On the macro level, we should improve the laws and regulations system and improve the regulatory mechanism. At the micro level, the Bank strengthened the risk assessment and information disclosure system for investors and implemented the sales of wealth management products.