Case Study On Citic GuYe Trust Product

In regulation and decentralized management, encourage financial innovation driven by financial policy, with the rapid development of the national economy, the increasing number of high net worth population and diversified investment consciousness growing; Commercial Banks face the internationalization of the RMB, interest rate marketization, financial disintermediation, continue to strengthen financial regulation the huge transformation of pressure; Trust law rules and regulations shall not establish branches outside the registered lead to expand its market capacity is insufficient, trust through cooperation with commercial Banks to carry out the depth to complement each other.In order to better cope with the financial regulation, at the same time, make its can effectively cope with the change of the external economic environment, trust institutions and commercial Banks have complementary advantages, win-win cooperation, collections of financial product development speed, scale is growing. But in the process of the rapid development of the collections, trust and ignore the risk of commercial bank and blindly pursuing the expansion of assets and profits increase makes the collections products has exposed many risks and issues. "Silver letter weak" lead to serious make collections cooperation channelizing wealth management products in the case of the risk of default responsibilities unclear border, The trust industry "rigid redemption" hidden rules not conducive to the improvement of investor risk awareness, collections products of incomplete risk management is the development of the depth of the collections a problem to be solved.Based on the case analysis of Citic GuYe trust products, first of all, Citic GuYe trust product default events background, process and the subsequent progress carries on the detailed analysis, and then analyzed the incident exposed the collections of the risk of financial products and risk factors, finally, in view of the present investigation supervision department of the cooperative financial product development present situation and collections of insufficient regulation, relevant countermeasures and Suggestions are put forward.The introduction mainly introduced the selected topic background and research significance of this article, the thesis research ideas and research methods, innovations and shortcomings. The first chapter of Citic GuYe trust product the background, the process of the default events and the latest progress has carried on the detailed presentation. The second chapter studies the incident exposed the collections of wealth management products of the main risk, and analyzes the impact of these risk factors, identifying sources of risk, provide the basis for subsequent response. Third chapter from commercial Banks, trust companies, regulators, investors and financing enterprises paper discussed five collections of stimulative our country the enlightenment to the healthy development of the financial product and the suggestion, in order to for our collections that will lead to more stable mode of financial product development.