银信合作

伴随着银信合作产品数量的增长，一些问题也逐渐暴露。

Accompanied by the bank-trust cooperation product quantity growth , some problems appear gradually .

银信合作机制及模式研究

Silver research of the mechanism and model of cooperation between trust companies and banks

银信合作是我国最为典型的影子银行业务。

The cooperation between trust and banking is the main shadow banking business in China .

银行通过银信合作将表内资产转移至表外，以规避监管及扩大业务规模。

Through cooperation , banks can move assets in-balance sheet into off-balance sheet so as to avoid regulation and expand business .

票据理财产品的银信合作模式、市场概况与政策思考

The Cooperation Pattern Between Commercial Bank and Trust Company , Market Survey and Policies of Wealth Management Products Backed by Bill Assets

因此以银信合作理财产品为例，探讨我国影子银行的信用创造机制。

This paper takes bank and trust cooperation financial products as an example to explain the mechanism of credit creation of shadow bank .

在这样的背景下，银监会通过发布一系列新规，叫停银信合作业务。

Under such conditions , the China Banking Regulatory Commission ( the CBRC ) issues a series of new regulations to suspend this business .

由于银监会要求银行将表外银信合作贷款转制表内，因此2010年实际上的新增贷款规模仍大致在央行的信贷目标范围内。

As CBRC ordered the banks to move the trust loans back to their balance sheets , the real new lending in2010 is more or less within PBOC 's original loan target .

但是这样做的结果是：大量资金处于监管视野之外，降低了货币政策实施效果，导致了银信合作业务的畸形发展。

As a result , a great deal of funds is out of the supervision horizon , thereby reducing the implementation effect of monetary policies and leading to abnormal development of the bank-trust company cooperation business ( hereinafterthis business ) .

通过发行银信合作理财产品，银行只需将募集的资金和投出的贷款放在表外，从而既能避开存贷款监管，又能获得丰厚的中间业务收入。

By issuing bank and trust cooperated financing products , the money and " loans " are off-balance sheet , so that banks can not only avoid the supervision of loans and deposits , but also gain abundant intermediate business income .

债券及货币市场类理财产品和银信合作类理财产品收益相对固定，风险较小，因而着重进行了收益率的统计和决定机制分析，通过回归的方法找出影响产品收益率的宏观、微观因素。

The first two kinds of products are relative fix income , less risk , which has been focused on the yield statistics and design mechanism analysis , using the regression method to identify the macro-and micro factors which affect the product yield .

银信业务合作的九大看点

Nine Highlights of Business Cooperation Between Banks and Trust