Analysison The Risk Of Bank-Trust Cooperation Product

Under the promotion of the separated management and financial policies of encourage innovation, with the rapid development of social economy, the increasing levels of disposable income and growing awareness of investment of residents. Commercial banks are facing a huge transition pressure of strengthening financial supervision、crunching the size of the credit、the marketization of interest rate、the internationalization of RMB. Trust also has an urgent need of cooperation as laws and regulations on the sale and business outlets control lead to trust lack ability to expand the market. The premise of the commercial banks and trust need to break through supervision to realize self-development, bank-trust cooperation products has made great strides in development. But in the process of rapid development of bank-trust cooperation, bank and trust regardless of the risk and blind pursuit of scale and profit making bank-trust cooperation has exposed many problems:revelant finical systems and laws need to achieve self-improvement through constantly exposed problems、 "imbalance between banking and trust industry"had made serious channelizing of trust lead to a due diligence investigation of the issue of bank-trust cooperation product nominal、the risk of bank-trust cooperation products continue to increase. In June 2012, the case of cheng zhi jin kai 1 hao makes the risk problem of bank-trust cooperation products thoroughly exposed. The risk management of bank-trust cooperation products has become the primary which affecting bank -trust cooperation in china depth development.In this article, we will select the case of cheng zhi jin kai lhao as the study object. After discusses the development situation and the existing problems of bank-trust cooperation products in china, we will sort out the background、the occurring process、the subsequent problem solving in detail. Discuss on the risk of bank-trust cooperation product exposed in the case and its influence. Finally, combining the development of bank -trust cooperation products and the reasons which cause the risk event, on this basis we will give some suggestions on how to manage the bank-trust cooperation product risk.Chapter one is foreword, which explained the background and meaning of this selected topical, reviewing the past related paper of bank -trust cooperation product, the main contents and conclusions of the paper, innovation and deficiency.Chapter two expounds the background and the development situation of bank-trust cooperation product in china, at the same time, the author will raise the problem of bank-trust cooperation in preparation for the case is introduced.Chapter three, the author introduces the background, course and the effects of the case of cheng zhi jin kai lhao. Include the effects on commercial bank,trust company, regulators.Chapter four focuses on the main risk of bank -trust cooperation product which exposed in the case, analyzes on the influencing factors of risk to determine risk source which will provide the corresponding solutions.The final chapter puts forward the specific countermeasures to solve the risk of bank-trust cooperation product in order to promote the stable development of bank-trust cooperation financial product.