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信托贷款型理财产品是商业银行规避信贷规模控制的产品创新,形式上实现了银行、信托公司、投资者和融资客户的四方共赢,但它削弱了宏观调控的效果,使投资者承担了较大的信用风险,给银行带来潜在的声誉风险。建议把其纳入央行的存贷款统计范围,加强对投资者的教育,商业银行要加强对产品的信息披露,做好客户风险评估,监管部门要加强宏观监管。
The trust-loan-type wealth management product is a product innovation of commercial banks that avoids the control of credit scale and formally achieves a win-win situation among banks, trust companies, investors and financing clients. However, it weakens the effect of macro-control and makes investors bear more Large credit risk, the potential reputational risk to the bank. It is suggested to include it in the scope of deposit and loan statistics of the central bank and to strengthen education for investors. Commercial banks should step up information disclosure of products and do a good job of customer risk assessment. Regulators should strengthen macro supervision.