中国商业银行信托业务分析

摘要

在国外许多发达国家，信托业务已是商业银行的重要业务之一，而在我国，商业银行的信托业务还处于初级阶段。目前，我国商业银行主要依靠与信托公司合作、发行理财产品等方式开展信托业务。
本文从我国商业银行信托业务现状、发展信托业务的收益及风险等方面对我国商业银行信托业务进行分析，同时通过了解美国商业银行信托业务的发展情况，总结出我国商业银行发展信托业务时应借鉴的经验，指出我国商业银行应重视个人信托、养老信托、房地产信托、公益信托、产业信托等信托业务，从而提高我国商业银行的竞争力，满足市场需要，促进国内金融市场健全发展。

关键词：中国商业银行，信托业务，信托公司，理财产品
Abstract

In many developed countries, trust business has became one of the most important businesses of commercial banks. But in china, trust business of commercial banks is still at an early stage. Nowadays, the main way that commercial banks of China develop trust business is through cooperating with trust companies and issuing financial products.
This article discusses on the trust business of commercial banks of China from its current situation, benefits, risks as well as summarizing what we should learn from commercial banks’ trust business of America. Through a comparison  with them, we can learn that we should pay more attention to personal trust, pension trust, real estate trust, charitable trust and other trust businesses in order to enhance the competitiveness of commercial banks of China, and promote the development of domestic financial market.

Key words: commercial bank of China，trust business，trust company，financial product

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