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银行理财产品质押贷款能够满足借款人的短期资金需求、避免银行理财产品流动性差的缺点、同时实现银行利润的最大化。然而由于缺乏法律规范,银行理财产品的法律性质以及能否作为质押财产存在较大争议。本文透过银行理财产品的表象探讨其本质,进而揭示银行理财产品质押的法律风险,为我国银行业的健康发展提供借鉴和参考。
Bank financing product collateral loans to meet the borrower’s short-term funding needs to avoid the shortcomings of poor liquidity of bank financial products, while maximizing bank profits. However, due to the lack of legal norms, the legal nature of bank financial products and the existence of the property as a pledge there is a big controversy. This article explores the nature of the bank’s wealth management products, and then reveals the legal risks of bank financing products pledging, which can provide reference for the healthy development of China’s banking industry.