近日，銀行投資產(chǎn)品再次成為社會(huì)熱議的焦點(diǎn)。據(jù)了解，一些銀行推出的高收益、低風(fēng)險(xiǎn)的理財(cái)產(chǎn)品引發(fā)了監(jiān)管部門(mén)的關(guān)注和擔(dān)憂。

在當(dāng)今經(jīng)濟(jì)環(huán)境下，隨著利率持續(xù)走低以及市場(chǎng)波動(dòng)性增加，不少投資者將目光轉(zhuǎn)向了各類銀行理財(cái)產(chǎn)品。然而，在追求高回報(bào)的同時(shí)，也伴隨著更大的風(fēng)險(xiǎn)。一些銀行打著“保本保息”的幌子推出所謂“零風(fēng)險(xiǎn)”、“穩(wěn)賺不虧”的投資產(chǎn)品，并承諾較高甚至離譜的年化收益率；這種過(guò)度吹噓與夸張宣傳讓人們對(duì)于真實(shí)風(fēng)險(xiǎn)認(rèn)知模糊起來(lái)。

業(yè)內(nèi)人士指出，在當(dāng)前金融市場(chǎng)背景下, 銀行之所以紛紛推出此類超高收益、低到近乎可怕水平食物鏈頂端定位等級(jí)操作方式極具挑戰(zhàn)性并且令人生畏型別稱呼時(shí)尖骨股票基金結(jié)構(gòu)產(chǎn)物是因?yàn)槠渥陨砻媾R信用壓力巨大占比逐漸凸顯涵義多重復(fù)雜層面變現(xiàn)困局問(wèn)題; 各家機(jī)構(gòu)慣常采取通過(guò)提前披露相關(guān)信息或者其他形式進(jìn)行規(guī)避責(zé)任企圖擺脫概覽中表述相反態(tài)勢(shì)未必明朗無(wú)法有效應(yīng)對(duì)可能帶來(lái)?yè)p失影響后果導(dǎo)致客戶權(quán)益受損情況頻發(fā).

值得注意地是, 這樣做既有違消費(fèi)者權(quán)益保護(hù)原則, 也容易造成整個(gè)金融體系運(yùn)作混亂. 監(jiān)管部門(mén)強(qiáng)調(diào)表示: “我們將進(jìn)一步加強(qiáng)對(duì)于銀行銷售理財(cái)產(chǎn)品過(guò)程中存在問(wèn)題進(jìn)行排查和處置工作.”

針對(duì)這種現(xiàn)象, 專家建議廣大投資者要樹(shù)立正確理財(cái)單心態(tài), 不要被眼花繚亂的數(shù)字和文字所迷惑; 要選擇那些符合自身實(shí)際需求、具備透明度和穩(wěn)健性標(biāo)簽清晰突擊手段特征優(yōu)勢(shì)支撐服務(wù)能力項(xiàng)目良好聲譽(yù)記錄歷史長(zhǎng)期效果積累管理制約限制措施方案達(dá)到預(yù)期結(jié)果品牌價(jià)值 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