国内首例公开报道的银行理财诉讼——汇丰双利存款诉讼显示，在“存款”名义下发生的是“存款合同+期权合同”的场外金融衍生交易，在银行与客户之间形成了新的收益-风险分配模式。

The nature of commercial banks' financial products to individual clients is fixed-income products, but many of them have reference to financial derivatives which increase market risk.

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