新疆银信理财业务运行机制及风险防范对策研究

摘要

In recent years, bank-trust cooperation wealth investment products have become one of new profit growth points in the banking sector, and have also gradually been included into the financial planning because of their high yield and low barriers to entry. The paper makes a special investigation on bank-trust cooperation wealth investment business carried out in 14 cities and prefectures in Xinjiang, and deeply analyzes the existing problems and relevant risks lying in bank-trust cooperation wealth investment products from the business scale, profitability, term structure, investment orientation and other aspects, and puts forward corresponding countermea-sures and suggestions to further resolve the risks of bank-trust business.%近年来，银信合作理财产品成为银行业新的利润增长点之一，同时也由于其收益高、准入门槛较低，逐渐进入人们的理财规划中。本文对新疆辖区14地州市及乌鲁木齐辖区银信合作理财业务开展了专项调查，从业务规模、盈利能力、期限结构、资金投向等方面入手，深入分析了目前新疆辖区银行业机构银信合作理财产品存在的问题以及银信合作理财产品的相关风险，并对进一步化解银信理财业务风险提出针对性的对策建议。