由“庞氏骗局”看理财产品的风险控制

Risk Control of Financial Products by the Ponzi Scheme

银信合作是银行与信托公司互享资源、互补缺陷的一项重要业务,但随着银信合作业务的快速发展,银信合作业务开始成为银行规避信贷监管的一个重要手段,并逐渐暴露出所蕴含的巨大风险,其高于一般理财产品的收益率更是使众多投资者趋之若鹜。所有的金融产品都具有流动性风险,因此需要对被热情淹没的银信理财产品进行正确的调整,规范融资项目,保障投资者的权益,进而从源头上避免"庞氏骗局"的发生。

Bank and credit cooperative bank and trust each other,complementary deficiency of resources an important business,however,with the rapid development of business of Bank and credit cooperation,Bank and credit cooperative business became an important means of avoiding credit supervision of banks,started gradually exposed the inherent risks.Its above average yields on financial products are so many investors in droves.All financial products have liquidity risk,therefore need to be overshadowed by the enthusiasm of the banks financing products for proper adjustment,normative financing projects,protect the interests of investors,from the source to avoid Ponzi scheme.