摘要：随着市场经济建设的稳步推进，居民收入水平的不断提高，为使个人财产能够有效地保值增值，我国个人理财产品的市场需求日益增强。商业银行作为金融市场的主体，个人理财产品的主要供给方，其主导着整个个人理财市场的发展。本文以我国商业银行的个人理财产品为研究对象。首先，通过宏观数据的整理，分析影响其今后发展的环境因素。其次，选取近年来零收益、亏损的银行个人理财产品22款，银行理财纠纷案件20个，对其进行比较分析，从微观角度探讨我国商业银行个人理财产品在设计、销售等环节中存在的具体问题，并提出相应的改进措施，以推进我国商业银行个人理财产品的进一步发展。

关键词：商业银行；个人理财产品；问题

ABSTRACT：With the steady development of the market economy and the continuous increase of the residents’ income，the domestic market demand of personal finance products is getting stronger. Commercial banks, as the main subject of finance market and the major supplier of personal finance products, dominate the entire finance market. This essay takes the bank finance products as the study object. By sorting macro data, it firstly shows the environmental factors that would affect the future development of the finance products. Then it summarizes the regular problems of the bank personal finance products after analyzing 22 bad products and 20 dispute cases. At last, corresponding suggestions are offered to boost the personal finance products market.

Keywords: Commercial banks; Personal finance products; Problems

　　　本文通过采用文献法、例证分析法、比较法对银行个人理财产品实例进行分析，强调理论探索与实证分析有机结合，定性研究和定量研究有机结合，保证研究的真实性、生动性。对近年来22款零收益、亏损银行个人理财产品进行分析，从微观角度，发掘具体产品在设计环节中存在的缺陷，如收益率计算公式缺陷、收益分配条款不公、缺乏有效风险抵御措施等；并对20个银行理财产品纠纷案例进行分析，探讨其在销售环节存在的问题，如诱导性宣传、客户评估环节流于形式等。并针对问题提出改进措施，以为我国商业银行个人理财产品的发展提供意见及建议。