我国银信合作理财业务的发展现状与未来趋势

自2006年年初民生银行与信托公司合作发行了第一款银信合作理财产品以来,银信合作理财业务便在我国蓬勃发展起来。然而,从2009年年底开始,中国银监会频频出台政策重拳,直接和间接针对银信合作理财业务的政策共出台了十余项之多,引起了人们对银信合作理财业务前景的担忧。本文阐述了我国银信合作理财业务存在的基础,对该业务的发展现状及其存在的问题进行了分析,并根据相关的政策走向对我国银信合作理财业务的未来发展趋势提出了若干设想。

Since early 2006 the first financial product based on the cooperation between Minsheng Bank and the trust companies were issued,the cooperative financial business between banks and trusted companies the has flourished.However, China Banking Regulatory Commission has issued a series of intensive supervision policies directly or indirectly related to the cooperation between banks and trust companies since the end of 2009,which made people worried about the prospect of cooperative finance between banks and trusted companies.This paper elaborates the base on which cooperative finance between banks and trusted companies exists,analyzes the current situation and existing problems of the cooperative finance,and put forward some suggestions about the future orientation of cooperative finance between banks and trusted companies.