The Property And Legal Regulation Of Bank-Trust Financing Cooperation Products

Collections wealth management business refers to a broad and deepcooperation between Banks and trust companies business model. Trustwealth management business of commercial banks means the financialproduct which is issued and sold by Banks, the trust company work as acanal to concentrated investment funds together. Then to satisfied thedemand of investors and consumers. In the process,bank as a principal,trust company as a trustee, Banks to raise capital from society to investfor trust property.Along with the deepening of the reform of the financial,financial products becomes flourish, the scope and scale of this financingbusiness also gradually expand. In the process of this cooperation patternbecomes to mature, we should be objective to see that there are manylegal problems. Guangda-Anxin Trust cases, for example, take over fiveyears from the appeal to the second judgment, through two trial andretrial procedure. Because of the fuzzy relationship between Banks andtrust companies, and the undefined rights and obligations,investors’ rightswas been harmed. Therefore, clarify the collections between Banks, trust companies and investors is the precondition of apply economic law. Thisis also significant for protect the investors effectively.In the present, with the separate operation and separate supervisionof the financial system, high status and targeted legal norms isinsufficiency, so the accordance of supervision is deficiency. All ofthese leads to the flaw of collections wealth management business inpractice. This article will combine the cases of Guangda-Anxin, trying tostart with the perspective of the legal nature, then analysis to the legalrelations of the wealth management business. Put forward relatedSuggestions to perfect the legal regulation from the angle of legislationand regulation, as the theory of the mixed management of bankingindustry for the future.