according to most of the financial product deadline

This paper, according to most of the financial product deadline less than a year, some only a weeks or even days. Therefore, in some cases, the short-term financing was put into long-term projects. Once facing cash flow problem, a simple method is through the new financial products to repay maturing. As the capital chain rupture, the musical is unable to continue. However, investors always believe these formal Banks fail, you can always get back their money.

Xiao from the prosperous time of them, let the bank financial products and risk of the "shadow banking" problem into the public eye, then the regulations that had a lot to do with this. As the chairman of bank of China, Mr. Xiao is the stakeholder wealth management products, made by his risk warning, there is an obvious role conflict, it is not difficult to find that the "cleanliness" in the aspect of risk control.

Can protect the legitimate rights and interests of investors, especially medium and small investors, is to judge whether one regulator capable of the most important standards, and keep the bottom limit of systemic financial risk does not occur, is the effective way to protect the interests of the investors. Can be expected, with the advent of tough regulators, to combat the illegal violations of the securities market the strength of the strong or weak, only debacle is when the heart of the deposit back.

No market innovation behavior won't have any risk factors, but the development of multi-level capital market, improve the proportion of direct financing, to better service the real economy, also is the important task of regulators, to implement the task need to innovate regulation method, to the innovation behavior of market main body, to create a good institutional environment. 10 years career as a banker convince Mr. Xiao, "a profound change in the operating environment, asked the Chinese banking industry to speed up the transformation, enhance comprehensive competitiveness and the ability to service the real economy", he is now picking up regulatory responsibilities, nature will not lack of innovation power, in innovation and development are the blueprint, let's wait and see!