融资类银信合作产品结构演变和发展趋势分析  

作　　者：王珏帅[1] 

机构地区：[1]中央财经大学中国金融发展研究院,北京100081

出　　处：《浙江金融》2011年第4期39-42,共4页Zhejiang Finance

摘　　要：2009-2010年以来,银信合作监管政策频出,监管环境的变化成为主导融资类银信合作产品结构的主要因素。本文从其融资类银信基础产品结构出发,探讨了该类产品结构的演变路径及其影响因素和发展趋势,认为:净资本管理约束,将逐步降低信托杠杆率,提高信托报酬率,融资类银信合作将逐步摆脱被动管理型的银信关系,过渡到收益率较高的内涵式增长渠道。a number of regulatory policies on bank and trust company cooperation have been issued since 2009-2010. The changing regulatory environment thus has become a key element that determines the structure of financing products between bank and trust company cooperation. This paper explores the evolving path, determinants and development trend of the structure of such products, beginning with a study on their basic structure. According to the paper, net capital requirement will gradually lead to a lower trust leverage ratio and higher return rate on trust. The financing cooperation between bank and trust company will transit from passive management pattern to connotative growth with a higher rate of return.

关 键 词：银信合作 产品结构 发展趋势 

分 类 号：F832.49[经济管理—金融学]