The Study Of The Supervision Over Trust-banking Cooperation Personal Financial Products

Beginning with the June2013Shanghai Money Market Liquidity Event, thethesis reveals the negative effect from the uprising “Shadow Banking” system anddiscusses how to avoid the potential risk and how to supervise the marketeffectively. The information disclosure and risk control over Trust and Bankingcooperation personal financial products which is one of the most important conduitbiz in shadow banking is the main focus in this thesis.The logic way is: Analyze the risk and supervision methods based on Trustand Banking cooperation personal financial products’ basic theories and nature.Firstly, from the nature of off-balance sheet (OBS) item, commercial banks arewilling to put the titled business into OBS as they can avoid the supervision. Inorder to understand commercial banks’ purpose, we have to know how theyaccount for OBS. Secondly, from the control over potential risk, further analyze theTrust and Banking cooperation personal financial products’ negative effect tomarket and the current supervision methods by means of accounting analysis andfinancial reporting disclosure analysis. Finally, with2case studies, conclude that:Trust and Banking cooperation personal financial products should be in balancesheet and disclosed more intensively.