Perspective Of Financial Innovation On Bank And Trust Cooperation

With the continuous development of social economy, public demand for financial products is increasing. Strengthening financial supervision, crunching credit size and interest rate marketization lead to huge transformation pressure for banks to face. Emerging trust also has an urgent need of co-development as lack of ability. Financial innovation is the only way to breakthrough the dilemma of banks and trusts. Strengthening our financial cooperation and developing financial innovation make an opportunity to develop the collaboration of banking and trust business. Banking and trust can fit eachother well because of their own advantages. Bank have abundant capital and customer resources and trust owen a special system of cross-cutting investment, because of which the collaboration of banking and trust business could make a rapid development and achieve a win-win. Many issues have appeared in the process of development such as serious channelizing of trust, weak financial innovation ability, low cooperation level, risk accumulation of assets table externalization and feeble self-management capability etc.Based on the theory and practical causes of bank and trust cooperation and financial innovation, this paper comprehensively analysis the course and the present situation of bank and trust cooperation. Throug econometric analysis, this paper make a useful exploration of the development of bank and trust cooperation.This paper is divided into five parts:The first part is the background and significance of bank and trust cooperation. The second part is the financial innovation theory of bank and trust cooperation. The third part is the practical causes of bank and trust cooperation. The fourth part is the development and characters of financing market and bank and trust cooperation. The fifth part is the trend of bank and trust cooperation.