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银行理财产品质押贷款因其具有质物便于监管、质权易于实现等优点,被商业银行认为系低风险业务而广泛推广。但是,司法实践中对理财产品质押的性质和效力颇具争议,其本身存在一定法律风险。同时,近年来银行理财产品质押贷款的贷款条件不断放宽、贷款流程愈加简化,在给客户带来便利的同时,也为不法分子诈骗客户资金提供了可乘之机,由此引发的纠纷日渐增多,法律风险更加凸显。
Because of its quality control, pledge of bank loans, the pledge loan of bank financial products is widely promoted by commercial banks as a low-risk business. However, the nature and effectiveness of the pledge of wealth management products in the judicial practice is quite controversial, which in itself poses some legal risks. In the meantime, in recent years, the lending conditions of bank financing products ’pledged loans have been continuously relaxed and the loan procedures have been simplified. While this has brought convenience to customers, it has also provided an opportunity for criminals to defraud clients’ funds. As a result, more and more disputes have arisen , The legal risk is more prominent.