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我国商业银行理财业务近年来得到了迅猛的发展，一些影响制约银行理财产品业务发展的风险也逐渐暴露出来。对银行理财产品的设计、销售、运作再到最后的收益分配这一个完整的流程进行考察，全面揭示其中蕴含的主要风险，并有针对性地提出防范风险的建议，这将有利于我国银行理财产品业务的健康发展，实现我国银行理财产品业务真正的“做大、做强”。“,”In recent years , commercial bank financial services in our country has been developed rapidly , certain risks that influence and restrict the development of banks financial products business have gradually e -merged.In this thesis, the process of designing , selling, operation and income distribution of banks financial products is targeted to reveal the main risks hidden inside , and comments on precaution of the risks have been made.This is of much benefit to the healthy development of banks financial products services , making the fi-nancial products services of our country “larger” and “stronger”.