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随着经济的不断发展和社会的不断进步,商业银行不断创新,我国商业银行理财产品自2004年诞生开始快速发展,种类越来越多,资金规模的大小也在不断地更新换代,市场规模从单一到逐步扩大,然而再快速发展的背后,也涌现出了越来越多的法律问题,对于我国国内的银行业务,主要涵盖的理财业务,以及现当代我国金融产品的市场,都会产生不利的影响,影响区域内市场的稳定。不能否认的是,我国当代商业银行中部分理财产品的结构,以及产品产生的各式各样的防线也越来越多,更加复杂,更加难以解决,因此,我们更需要更为及时并且有效的监管。因此,我们需要对商业银行理财产的监管涉及的法律问题进行分析,这样才能准确的了解和把握目前我国商业银行理财产品存在的核心问题,这样可以更有效的强化对理财产品市场的监管。
With the continuous economic development and social progress, commercial banks continue to innovate. The wealth management products of commercial banks in our country have been developing rapidly since its birth in 2004, and more and more types of financial products are being replaced. The size of the funds is constantly being updated. However, with the rapid development, more and more legal problems have also emerged. For the banking business in China, the financial services mainly covered and the markets of current and contemporary financial products in our country are adversely affected Affect the stability of the market in the region. It can not be denied that the structure of some financial products in contemporary commercial banks in our country is also more and more complex, and more difficult to solve. Therefore, we need a more timely and effective Supervision. Therefore, we need to analyze the legal issues involved in the regulation of commercial banks ’wealth management so that we can accurately understand and grasp the core issues of the commercial banks’ wealth management products so that we can more effectively strengthen the supervision over the financial products markets.