银信合作机制及模式研究

RESEARCH OF THE MECHANISM AND MODEL OF COOPERATION BETWEEN TRUST COMPANIES AND BANKS

从混业经营到严格的分业经营,银信合作已走过了一条漫长的道路,然而“金新事件”的爆发却使得现阶段发展中的银信合作凸显危机。从利益分配、风险补偿、行为约束、市场退出4个方面研究了如何建立银信合作的长效机制,并进一步研究了渠道合作模式、信用增强模式、产品合作模式、全方位合作模式各自的特征以及他们之间的递进关系,在此基础上给出了相应的研究结论。

The foundation of trust-credit is an absolute confidence on the part of the client in the trustee. The abnormal operations of trust companies in China have seriously injured the broad masses of investors and reduced the confidence of the latter in them. It is, therefore, a realistic choice for the trust companies to rely on cooperation with the banks to enhance their exterior reputation. However, the recent exposure of “Jin-Xin Affair” brought a crisis to such a cooperation. So, how to create a lasting and effective mechanism of cooperation between trust companies and banks and choose a proper model within the currently existing financial framework is a pressing matter of the moment.