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当银行介入到信托公司和金融消费者中间的时候,投资者会认为银行会对信托产品进行隐性担保,但事实上银行并不负有法律上和经济上的义务和责任。2014年马年伊始,中诚信托30亿元信托产品面临无法如期兑付一事,最终以信托公司承诺兑付投资者本金而使得该事件暂时平息。但是,这一事件意味着信托业“刚性兑付”的不败魔咒就此被打破,同时,“信托罗生门”的发生也让夹在信托公司和投资者之间的商业银行遭遇了又一次信任危机。
When banks intervene among trust companies and financial consumers, investors think banks will implicitly guarantee trust products, but in fact banks do not have legal and economic obligations and responsibilities. At the beginning of the year of 2014, the credit trust of China Credit Trust Co., Ltd. was faced with the unfulfilled fulfillment of RMB3 billion trust products. Eventually, the trust company promised to honor the investors’ capital to temporarily subside the incident. However, this incident means that the unbeaten mantra of the trust industry “Rigid Payment ” has been broken. At the same time, the occurrence of the “Trust RUSSIAN” has also allowed commercial banks, which are caught between trust companies and investors, Encountered another crisis of confidence.