本文關(guān)鍵詞： 信托業(yè) 市場結(jié)構(gòu) 市場績效　出處：《華中科技大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：我國信托業(yè)受益于自身的制度優(yōu)勢、靈活的業(yè)務(wù)模式、經(jīng)濟的持續(xù)高增長和市場改革的不斷深化等因素，經(jīng)過三十年的發(fā)展已具有一定的規(guī)模。2012年信托資產(chǎn)規(guī)模首次超過了保險業(yè)的資產(chǎn)規(guī)模，在全國金融部門的排名僅僅落后于銀行業(yè)。但與美國、日本等發(fā)達(dá)國家相比，我國信托業(yè)的覆蓋范圍還很小，信托公司可持續(xù)性的經(jīng)營模式尚未形成、新產(chǎn)品開發(fā)能力有待加強、相關(guān)的法規(guī)有待進一步的細(xì)化完善，這些都會涉及信托業(yè)未來的發(fā)展方向，對信托業(yè)市場結(jié)構(gòu)的改善和績效的提高都有一定的影響。 本文在市場結(jié)構(gòu)和市場績效相關(guān)理論的基礎(chǔ)上，先分析我國信托業(yè)市場結(jié)構(gòu)和績效的現(xiàn)狀，，以25家信托公司為代表，采用因子分析法對信托公司績效進行評價研究。再選取相應(yīng)的衡量信托業(yè)市場結(jié)構(gòu)和績效的指標(biāo)，建立多元線性回歸，研究我國信托業(yè)市場結(jié)構(gòu)對績效的影響，來探究我國信托業(yè)現(xiàn)階段市場結(jié)構(gòu)符合哪種假說和對信托業(yè)績效影響較大的市場結(jié)構(gòu)因素，進而針對實證結(jié)果對我國信托業(yè)如何提高績效、增強核心競爭力以及未來穩(wěn)定健康的發(fā)展提出合理的建議。 本文的實證檢驗研究發(fā)現(xiàn)：市場份額越大會有利于我國信托業(yè)績效水平的提高；員工的素質(zhì)和教育水平一定程度上決定著信托公司的產(chǎn)品創(chuàng)新能力和業(yè)務(wù)拓展能力；資產(chǎn)負(fù)債率雖然和績效存在著負(fù)相關(guān)關(guān)系，但對市場績效的影響并不明顯，可能是信托公司自身投資管理、風(fēng)險管理能力要得到外界的認(rèn)同還需時日；作為影響信托公司市場績效的宏觀經(jīng)濟因素，在較高的顯著性水平下，年平均市場貸款利率對績效有較高的影響作用。
[Abstract]:China's trust industry benefits from its own institutional advantages, flexible business model, sustained high economic growth and deepening of market reform and other factors. In 2012, the size of trust assets exceeded that of the insurance industry for the first time, and the ranking of the national financial sector was only behind that of the banking sector. But with the United States. Compared with Japan and other developed countries, the scope of trust industry in China is still very small, the sustainable business model of trust companies has not yet formed, the ability of new product development needs to be strengthened, and the relevant laws and regulations need to be further refined and improved. All these will involve the future development direction of the trust industry and have certain influence on the improvement of the market structure and the performance of the trust industry. Based on the theory of market structure and market performance, this paper first analyzes the current situation of trust market structure and performance in China, with 25 trust companies as the representative. Factor analysis method is used to evaluate the performance of trust companies. Then select the corresponding indicators to measure the market structure and performance of the trust industry, establish multiple linear regression, and study the impact of trust market structure on the performance of our country. To explore the current market structure of the trust industry in China which is consistent with the hypothesis and the impact on trust industry performance of the market structure factors, and then the empirical results on how to improve the performance of our trust industry. Strengthen the core competitiveness and the future stable and healthy development to put forward reasonable suggestions. The empirical study of this paper finds that: the market share of the Congress is conducive to the improvement of the performance level of the trust industry in China; To a certain extent, the quality and education level of employees determine the ability of product innovation and business expansion of the trust company; Although there is a negative correlation between asset-liability ratio and performance, but the impact on market performance is not obvious, it may be the investment management of trust company itself, and risk management ability needs to be recognized by the outside world. As a macroeconomic factor affecting the market performance of trust companies, the average annual market loan interest rate has a higher impact on performance at a higher significant level.
【學(xué)位授予單位】：華中科技大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.49

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