商业银行对集合资金信托计划的保管业务综述

按照现行规定,具有托管资质的商业银行可与信托公司签订协议,按照约定对集合信托资金进行保管并收取保管费用,此类新型业务存在一定风险.本文通过揭示集合资金信托计划保管业务的三类重点风险,站在商业银行角度,从运营管理、操作流程、日常管理三方面提出规范化管理相关措施,以有效防范风险.

The Review of Commercial Banks Capital Trust Scheme Custody

According to the current regulations, a managed qualified commercial bank can sign an agreement with trust companies, in accordance with the trust agreement to custody for collective trust funds and charge storage fee. There are certain risks in these new services. This article reveals three key business risks about capital trust scheme cus- tody business, from the perspective of commercial banks, puts forward the relevant measures tbr standardized manage- ment from operations management, operational processes, daily management,to prevent the occurrence of risk effectively.