Analysis Of The Risk And Prevention On The Trust Plan Product Which Bank L Invested

Based on the rapid development of domestic financial market in recent years, banking market competition is increasingly fierce. Traditional banking business cannot meet customers’increasingly diversified requirements, banks have to choose business innovation. Trust company as one of the four pillars of financial field, having institutional platform that commercial banks lacked, and commercial banks also can recover the insufficient of trust company, bank-trust cooperation emerged. The trust company plays a very important role in the process of commercial banks innovation.In the first half of 2008, China adopted sound fiscal policy and tight monetary policy. The credit scale of commercial banks limited by a lot, it makes negative influence in property yield rate and customer loyalty of commercial banks. Most banks regard bank-trust cooperation as the most efficient measure to offset negative impact, increasing trust plan product’s investment and sale, but some problems exposed. In order to make bank-trust cooperation develop persistently, China Banking Regulation Commission published NO.8 document in 2013, implement standardized management to commercial bank’s financial services especial non-standardized creditor’s assets including trust plan product, including bank-trust cooperation. NO.8 document solve the problems and promote the bank-trust cooperation development normatively and continuously. Commercial banks establish perfect risk management system of bank-trust cooperation by NO.8, demanding improve the awareness of risk management and recognition capability of risk, avoid the negative influence of trust risk to commercial banks.Based on the actual case of a trust scheme of bank L investment, this paper analyses the general risks and special risks faced by the bank. Then the existing risk management system of bank L is discussed and the deficiency of the system is analyzed deeply. In the end, the specific management measure for the risk management of bank L against trust products are proposed in order to play an active role in promoting the risk management of bank L in the future.