在当前的经济形势下,央行加大了货币紧缩的调控力度,然而对于高企的通货膨胀率来说,整个经济体的负利率时代已经成为不争的事实,这给商业银行传统的存贷款业务带来一系列的困境,一些银行不得不利用高息揽储或变相高息揽储等办法来吸引资金,弥补存款的不足,如今短期银行理财产品大受追捧正是在这种背景下应运而生的。但是理财产品的不受约束的泛滥势必会给银行系统和经济运行带来潜在风险。解决这一问题的根本在于加快国内金融充分市场化的步伐、推动利率市场化改革。 Under the current economic situation, the central bank has stepped up the control of monetary tightening. However, for the high inflation rate, the negative interest rate era of the entire economy has become an indisputable fact. This brings about the traditional deposit and loan business of commercial banks A series of difficulties, some banks have to use high-interest Lancun or high-tech Lancun disguised as ways to attract funds to make up for the lack of savings, nowadays short-term bank financial products is sought after precisely in this context came into being . However, the unconstrained spread of wealth management products is bound to bring potential risks to the banking system and economic operation. The fundamental solution to this problem lies in accelerating the pace of full marketization of domestic finance and promoting the marketization of interest rates.