The Research On Default Risks And Countermeasures Of Cooperation Business Between Bank And Trust Based On China’s Commercial Banks

Since the bank-trust cooperation was carried out from2006, this business developed more and more quickly and the product size was larger and larger, however, the risks exposed were more and more serious. China Banking Regulatory Commission(CBRC) had continually adjust the bank-trust cooperation since2008. The bank-trust cooperation was restricted by the issue of the China Banking Regulatory Commission8and10. Non-standard financial business and government financing project are also restricted in order to control risks of the bank-trust cooperation.Now lots of researches on the risk of the bank-trust cooperation are some qualitative analysis, and researches based on the application of statistical models and tools of empirical study is still relatively small. This paper get88samples of the bank-trust cooperation from a commercial banks in Jiangsu Province.From the previous research results, this paper choose variables from four directions, then choose17index. Through statistical software SPSS17.0,descriptive statistics, factor analysis and Logistic regression analysis are used to make a empirical study of the factors which impact the bank-trust cooperation default risk. The result show that the platform credit rating and the strength of the company have a significant impact about default. Finally, the author of the study in accordance with the results of empirical analysis give some recommendations about default risk control before loans in the bank-trust cooperation of Chinese commercial banks. Provide the foundation of theories and methods for forecasting risk control of bank-trust cooperation and future trend of asset securitization.