摘 要

随着我国经济水平的逐步提升，金融市场的不断完善，家庭财富不断提升，人们获得更多的可支配资金，理财意识逐渐觉醒，理财需求不断增加，银行理财产品也得到了快速的发展，银行理财在资管行业举足轻重的地位以及我国以银行为主导型的金融体系使得银行理财的良性发展关乎资管行业乃至整个金融生态的稳定安全。银行理财产品虽然创新不断、发展迅猛、监管紧跟，但带来的风险也愈发明显，亟需防范未然。中国银行原油宝事件的发生给投资者以及整个金融市场都带来了不小的冲击。因此，投资者应当对商业银行理财产品存在的潜在风险引起重视。本文主要从金融市场、投资者、商业银行三个方面描述理财产品存在的潜在风险，并对原油宝事件进行分析，以及对于银行理财产品风险的发展以及防范方面提出一些个人的想法。

Abstract

With the gradual improvement of China's economic level,the continuous improvement of the financial market,and the continuous improvement of family wealth,people have access to more disposable funds, gradually awakening their awareness of financial management and increasing demand for financial management, and the rapid development of bank financial products. The important position of bank finance in the asset management industry and the bank-oriented financial system in China make the sound development of bank finance related to the stability and security of the asset management industry and even the whole financial ecology. Despite the continuous innovation,rapid development and close supervision of bank financial products, the risks brought by them are becoming more and more obvious, and it is urgent to prevent them. The Bank of China crude oil treasure incident to investorsand the whole financial market have brought a small impact. Therefore, investors should pay attention to the potential risks of financial products of commercial banks. This paper mainly describes the potential risks of financial products fromthree aspects: financial market, investors and commercial banks,analyzes the event of crude oil treasure,and puts forward some personal ideas on the development and prevention of the risks of bank financial products.

Keywords Crude oil treasure Wealth management products Potential risk