中文摘要：

我国商业银行理财产品在经历了萌芽期和快速发展期之后,逐渐进入稳定发展期,理财产品存在的风险也日渐显现.近两年来,商业银行理财产品风波此起彼伏,对理财产品的风险管理和控制显得越发重要.本文重点讨论了我国商业银行理财产品的发展现状,并根据风险产生的机理提出理财产品投资可能面临的各种风险,提出相应的风险控制建议.

英文摘要：

After the germination and the rapid development period,the financial products of China＇s commercial hanks have entered a stable development period. With the development of financial products,the risk of financial products are also increasingly obvious. In recent years,there have been many problems in the financial products of China＇s commercial banks. Therefore, it becomes more and more important to control and manage the risk of financial products. This paper focuses on the current development situation of the financial products of China＇s commercial banks. The paper points out the potential risk of financial products by analyzing its causes, and finally gives some corresponding suggestions on the risk control.