本科论文摘 要商业银行“飞单案”主要是金融行业中对某种类型案件的命名，主要是指银行中的职员没有经过合法的审批流程，在银行私自进行代理或者销售的理财产品案件，或者是不是本银行应该代理或销售的理财产品案件。可以在本银行进行销售的产品必须是经过总行审核通过、合法售卖的产品，而所说的“飞单案”中的商业银行理财产品并没有经过总部批准代销或者设计销售，且没有对风险进行有效地评估，购买了“飞单”的相关客户需要承担的风险比较大，还容易引发资产纠纷。本文主要是对引发“飞单案”发生的原因进行分析，同时根据相关法律法规寻找相应的解决对策。通过整理，“飞单案”涉及的法律争议是比较多的，而如何对各争议点取舍也是本次研究的难点。通过对原因的分析，以便对商业银行统一的管理模式进行探索，降低各银行“飞单案”的发生。关键词：商业银行，理财产品，“飞单”本科论文AbstractObjective: The "flying single case" of a commercial bank mainly refers to the naming of certain types of cases in the financial industry. It mainly refers to the case of wealth management products in which the employees in the bank did not go through the legal approval process and acted or sold privately in the bank. Banks should represent or sell financial product cases. The products that can be sold in this bank must be legally approved by the head office, and the financial products of the commercial bank in the "flying bill" case have not been approved by the headquarters for consignment or design sales, and no risk Effectively assessing that the relevant customers who purchase "flying orders" need to bear greater risks and are also prone to asset disputes. This article mainly analyzes the causes of the "flying single case", and at the same time finds corresponding solutions according to relevant laws and regulations. Through sorting out, there are more legal disputes involved in the "Fly Single Case", and how to choose the dispute points is also the dif...
