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在中国的金融业分业经营的背景下,信托公司具有独特的制度优势,但是却受到资源狭窄的约束,这就催生了银信合作业务的产生。2007年开始,银信合作交易在我国火速成长,合作规模不断壮大。然而,在快速发展的同时也产生了一系列问题,自2010年,监管部门频频出台相关政策,调整和规范银信合作的发展。本文主要通过介梳理相关监管法律文件,对银信合作理财业务的法律监管途径和思路进行总结,分析近年来的监管趋势。
Under the background of the financial industry in China, the trust company has unique institutional advantages, but is constrained by the narrow resources, which gives birth to the cooperation of banking and trust. Since 2007, the Bank’s letter and trust cooperation and cooperation have grown rapidly in our country and the scale of cooperation has been continuously expanding. However, a series of problems have arisen along with the rapid development. Since 2010, regulators frequently issued relevant policies to adjust and standardize the cooperation between banks and banks. This paper summarizes the legal supervision ways and ideas of the bank-bank cooperative wealth management business by combing relevant regulatory legal documents, and analyzes the regulatory trends in recent years.