金融机构理财与资金信托业务能潜在风险及对策

Potential risks and suggestions for financial institution trust fund management businesses

近年来我国商业银行理财与信托公司资金信托业务持续快速发展，但一些风险因素也在不断累积，文章以辽宁省为例，分析了其理财与资金信托业务增长规模、结构特点与潜在风险因素，并从提高理财产品信息披露透明度、创新信托业务发展模式等方面，就促进理财与信托业务规范与健康发展提出相关建议。

The commercial banks＇ wealth management business and the trust companies＇ trust business in China have experienced speedy development in recent years, but certain potential risks are accumulated. Taking Liaoning province as an example, this article analyzes the growing scale, structural features and potential risk factors of the wealth management and trust businesses, and makes suggestions on promoting the healthy development of wealth management and trust businesses from the perspectives of increasing the information disclosure transparency of the wealth management products and innovating the development mode of the trust business.