审慎确定可以出质的理财产品范围,参照应收账款质押办理质押贷款手续,采取合理的公示方法,确保优先受偿权理财产品质押贷款是一种创新型的信贷业务品种。客户在运用理财产品进行投资时,可能会出现流动资金紧张,于是产生了利用手中的理财产品申请融资的需求,不少商业银行已经开展了理财产品质押贷款业务。但是根据我国物权法定原则,理财产品质押作为一种担保物权品种缺乏明确的法律依据,发生争讼后司法机关如何认定裁判缺乏统一的标准,因此存在 Carefully determine the range of wealth management products that can be pledged, apply for pledges of loans with reference to pledged accounts receivables, and adopt a reasonable publicity method to ensure that priority repayment loans for wealth management products are an innovative type of credit business. Customers in the use of financial products to invest, there may be liquidity constraints, resulting in the use of financial products in the hands of the need for financing needs, many commercial banks have launched a financial product collateral loan business. However, according to the statutory principle of property right in our country, the pledge of wealth management products as a kind of secured property rights lacks a clear legal basis and how the judiciary after the lawsuit determines that the referee lacks a uniform standard and therefore exists