A Research On Risk Control Of Mineral Energy Of Bank And Credit Co-financing Products

With the rapid development of our economy, the foreign banks which arefamiliar with mixed operation mode crash into our country and threaten to localfinancial institutions. Be driven by their own needs, local commercial banksco-operation with trust company and have a wave of financial innovation. Howeverthe system of their cooperation is not fully developed and the legislation of theircooperation is still not unified or definite. That results the weakness of risk control ofthe bank and credit cooperation financial products, and makes the payment riskfrequently break out in these products. This situation not only hinders the cooperationof bank and trust company, but also influences the development of our economy.In this circumstance, this paper selected “Zhongcheng Events” as the study caseand tried to explore the problem and root cause in risk controlling of the bank andcredit cooperation financial products, then provide advice and solution. Through thecollected information, this paper firstly analyzed the reason why three companychosen to cooperation, then find the characteristic of the “Cheng Zhi Jin Kai”No.1bank and credit cooperation financial products, besides the necessary of risk control.After that, the author analyzed the problem and origin in risk control which happenedin “Zhongcheng Events”. Based on the survey on “Zhongcheng Events”, this paperprobes into the risk system of the bank-credit cooperation financial products and digsto the reasonable way to control risk. Finally, this paper put forward specificsuggestion according to obtained inspirations.