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代理信托业务曾经是商业银行维护客户融资需求和投资收益的重要产品之一,也是商业银行盈利模式从传统息差收入向中间业务收入转型的重要渠道。但是自2012年起,多款信托产品出现的兑付风险,引起了商业银行的高度关注和警惕,以防止信托风险向银行体系蔓延。本文旨在从商业银行角度,分析信托计划的风险点和防控措施,对代理信托计划的选择提供参考,以确保银信合作的健康发展。
Acting trust business was one of the important products of commercial banks in maintaining customer financing needs and investment returns. It is also an important channel for commercial banks to diversify their profit model from traditional interest income to intermediary income. However, since 2012, the redemption risk of various trust products has aroused the great concern and vigilance of commercial banks in order to prevent the spread of trust risks to the banking system. The purpose of this paper is to analyze the risk points and prevention and control measures of trust plans from the perspective of commercial banks and to provide reference for the selection of agency trust plans so as to ensure the healthy development of cooperation between banks and trust agencies.