《商业银行理财产品销售管理办法》对银行理财产品销售中信息披露义务虽作规定,但存不足,同时亦缺乏商业银行说明义务的要求和适当性原则的统括性规定及清晰的规则。宜在清晰界定银行理财产品资金募集行为性质的基础上,对银行的信息披露义务提出更全面和强制的要求,同时对商业银行的说明义务和适当性原则作出明确或更清晰的规定。 The Measures for the Administration of Sales of Wealth Management Products by Commercial Banks do not provide for information disclosure obligations in the sales of wealth management products. However, they also lack the general requirements and clear rules on the requirements and appropriateness of commercial banks’ interpretation of obligations. Based on a clear definition of the nature of the fund-raising behavior of bank wealth management products, it is necessary to make more comprehensive and mandatory requirements on the bank’s information disclosure obligations, and at the same time make explicit or clear provisions on the interpretation obligations and appropriateness principles of commercial banks.