| With the rapid economic development in our country,commercial banks and trust agencies strive to cooperate in business and drive financial innovation actively,driven by their own needs.However,due to the imperfect cooperation system of both sides,the formulation of relevant laws and regulations in our country is not uniform or ambiguous.As a result,there are some problems such as the unclear rights and responsibilities of participants,the low transparency of product information and the uneven level of risk control in Bank-Trust cooperation.This led many silver credit products have caused the crisis of redemption.This not only affected the cooperation between Bank and Trust,but also affected the development of China's financial markets.Based on this,this paper takes Chang'an Trust Changan No.3 as the case study,and uses the case study,the literature analysis and the chart analysis to analyze.Firstly,the development and current situation of the Bank-trust cooperative wealth management products in our country are described.Secondly,after analyzing in detail the background,process and follow-up solutions of the default event of Changan Trust Chang'an No.3,this paper analyzes the problems of silver credit cooperative financial products exposed in the case and the causes of the problems.Finally,combined with the current development status of the cooperation between the Bank and the Bank and the supervision by regulators,the paper puts forward corresponding countermeasures and suggestions.The first part of this article is an introduction,introducing the background,significance,research ideas and methods of this case study.The second part is to elaborate on the meaning and characteristics of Bank-Trust cooperation products and their development and current situation in China.The third part is a detailed demonstration of the background,default process and follow-up process of Chang'an Trust Chang'an No.3 default event.The fourth part is the analysis of the causes and analysis of the impact of the Bank's exposure to the Bank's financial products.The fifth part is based on the current development status of the cooperation between the Bank and the Bank and the supervision by regulators,and puts forward corresponding countermeasures and suggestions to the trust agencies,commercial banks and regulators. |
