本文關(guān)鍵詞： 銀行 銀信合作 信托公司 合作模式　出處：《天津商業(yè)大學(xué)》2016年碩士論文　論文類型：學(xué)位論文

【摘要】：作為與銀行、證券、保險(xiǎn)一起并稱為金融市場(chǎng)四大支柱的信托業(yè),憑借獨(dú)具特色的制度優(yōu)勢(shì)在金融市場(chǎng)中具有巨良好的發(fā)展前景。然而隨著我國(guó)金融改革的不斷深入,“泛資管時(shí)代”的到來(lái)無(wú)可避免,銀行和信托業(yè)都面臨著日益激烈的競(jìng)爭(zhēng),要想形成新的利潤(rùn)增長(zhǎng)點(diǎn),二者必須加大合作力度。然而在傳統(tǒng)意義上的銀信合作中,因?yàn)槿狈Ψ�(wěn)定且高效的業(yè)務(wù)模式,使得二者都未能正確找到自己的市場(chǎng)定位,沒(méi)能在國(guó)民經(jīng)濟(jì)中充分發(fā)揮各自的能動(dòng)作用。本文以國(guó)內(nèi)銀信合作業(yè)務(wù)為研究對(duì)象,在結(jié)合銀信合作相關(guān)概念及理論的基礎(chǔ)上,比較全面的總結(jié)了發(fā)達(dá)國(guó)家銀信經(jīng)營(yíng)的發(fā)展歷程,歸納了國(guó)外進(jìn)行銀信合作的先進(jìn)經(jīng)驗(yàn),為發(fā)展我國(guó)銀信合作業(yè)務(wù)提供了良好的借鑒。隨后系統(tǒng)地分析了我國(guó)當(dāng)前銀信合作業(yè)務(wù)的現(xiàn)狀以及主要模式,在指出我國(guó)當(dāng)前銀信業(yè)務(wù)存在的問(wèn)題后,結(jié)合新經(jīng)濟(jì)形勢(shì)的背景以及監(jiān)管政策,提出了相應(yīng)的發(fā)展建議。本文共分為六部分:第一部分是關(guān)于銀信合作的研究背景和意義;第二部分是關(guān)于銀信合作的定義及相關(guān)理論的概述;第三部分是我國(guó)銀信合作的現(xiàn)狀分析;第四部分是對(duì)銀信合作的問(wèn)題分析;第五部分是國(guó)外銀信合作歷程經(jīng)驗(yàn)的總結(jié)歸納;最后一部分是對(duì)進(jìn)一步推動(dòng)銀信合作的發(fā)展提出了自己的建議。本文認(rèn)為,在“泛資管時(shí)代”的大背景下,要進(jìn)一步推動(dòng)我國(guó)銀信合作的發(fā)展可以從五個(gè)方面著手。一是銀信雙方樹立長(zhǎng)期合作的戰(zhàn)略思想;二是優(yōu)化整合現(xiàn)有的信托公司,做大做強(qiáng);三是積極擴(kuò)展深層次的業(yè)務(wù)合作,包括資產(chǎn)證券化業(yè)務(wù)、債轉(zhuǎn)股、家族信托、遺囑信托等新業(yè)務(wù)形式;四是做好靈活審慎監(jiān)管;五是加大相關(guān)專業(yè)人才的培養(yǎng)力度。文章有兩點(diǎn)創(chuàng)新之處,一是文章具有較強(qiáng)的時(shí)效性,在分析當(dāng)前問(wèn)題及面臨的新形勢(shì)時(shí),充分考慮了近年出臺(tái)的監(jiān)管新政。二是建議將銀信合作模式引入銀行債轉(zhuǎn)股業(yè)務(wù)中,由信托公司作為第三方的資產(chǎn)管理公司代替銀行行使股權(quán)。文章在研究方法上,主要運(yùn)用了文獻(xiàn)綜述法以及比較分析法。
[Abstract]:Together with banks, securities and insurance, the trust industry is known as the four pillars of the financial market. With the unique institutional advantages in the financial market has a very good development prospects. However, with the deepening of financial reform in China, the arrival of "pan-capital management era" is inevitable. The banking and trust industry are facing increasingly fierce competition. In order to form a new profit growth point, they must strengthen cooperation. However, in the traditional sense of bank trust cooperation. Because of the lack of a stable and efficient business model, both fail to find their own market positioning correctly. Failed to fully play their active role in the national economy. This paper takes the domestic banking and credit cooperation business as the research object, on the basis of combining the related concepts and theories of the banking and credit cooperation. It summarizes the development course of the banking and credit management in the developed countries, and sums up the advanced experience of the foreign bank and credit cooperation. It provides a good reference for the development of China's banking and credit cooperation business. Then it systematically analyzes the current situation and main modes of our country's bank and letter cooperation business, and then points out the problems existing in our country's current banking and credit cooperation business. According to the background of the new economic situation and the supervision policy, the paper puts forward the corresponding development suggestions. This paper is divided into six parts: the first part is about the background and significance of the research on the cooperation between Bank and Credit; The second part is about the definition of Yinxin cooperation and an overview of relevant theories. The third part is the analysis of the current situation of the cooperation between Bank and Credit in China. Part 4th is the analysis of the problems of Yinxin cooperation; Part 5th is a summary of the experience of foreign bank and credit cooperation; The last part is to further promote the development of bank-letter cooperation put forward their own suggestions. This paper believes that in the "pan-capital management era" under the background. It is necessary to further promote the development of our country's bank-letter cooperation from five aspects: first, the two sides should set up the strategic thought of long-term cooperation; The second is to optimize the integration of existing trust companies, bigger and stronger; The third is to actively expand the deep level of business cooperation, including asset securitization business, debt-equity conversion, family trust, testamentary trust and other new business forms; Fourth, do a good job of flexible prudential supervision; The fifth is to strengthen the training of relevant professionals. There are two innovations in the article. First, the article has a strong timeliness, in the analysis of the current problems and the new situation. Fully consider the new regulatory measures introduced in recent years. The second is the proposal to introduce the bank trust cooperation model into the bank debt-to-equity business. The paper mainly uses the literature review method and comparative analysis method in the research method of using the trust company as the third party asset management company instead of the bank to exercise the equity.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2016
【分類號(hào)】：F832.2

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 孫舒;;對(duì)轉(zhuǎn)型中信托業(yè)務(wù)發(fā)展的思考[J];河北金融;2010年09期

2 陳晨;;資金信托業(yè)務(wù)涉稅初步分析[J];東方企業(yè)文化;2013年01期

3 周浩文;;銀行開辦信托業(yè)務(wù)小議[J];中國(guó)金融;1980年08期

4 ;我們是怎樣開展國(guó)際信托業(yè)務(wù)的[J];中國(guó)金融;1980年09期

5 周祥生;;日本銀行的信托業(yè)務(wù)[J];上海金融研究;1981年01期

6 吳孔玉;;對(duì)開展資金信托業(yè)務(wù)的一些看法[J];廣東金融研究;1982年09期

7 ;對(duì)兩年來(lái)信托業(yè)務(wù)的回顧和今后設(shè)想[J];中國(guó)金融;1982年24期

8 鄭湛霖;;辦好金融信托業(yè)務(wù) 搞活社會(huì)資金融通[J];廣東金融研究;1984年10期

9 韓家迪;;談發(fā)展信托業(yè)務(wù)的必要性[J];金融研究;1982年09期

10 廖秉和;邢承益;;談對(duì)信托業(yè)務(wù)的一點(diǎn)看法[J];浙江金融;1986年03期

相關(guān)會(huì)議論文 前1條

1 許東升;楊有禮;;商業(yè)銀行家族信托業(yè)務(wù)的法律問(wèn)題研究——基于對(duì)發(fā)達(dá)國(guó)家(地區(qū))家族信托業(yè)務(wù)的借鑒和思考[A];金融法學(xué)家（第五輯）[C];2013年

相關(guān)重要報(bào)紙文章 前10條

1 王博 整理;人�？萍脊蓶|會(huì)批準(zhǔn)信托業(yè)務(wù)[N];證券日?qǐng)?bào);2003年

2 記者 李高陽(yáng);利率市場(chǎng)化“沖擊”融資類信托業(yè)務(wù)[N];第一財(cái)經(jīng)日?qǐng)?bào);2013年

3 記者彭少陽(yáng) 實(shí)習(xí)記者劉寧;陜西國(guó)投信托業(yè)務(wù)重現(xiàn)生機(jī)[N];中國(guó)證券報(bào);2002年

4 君澤君律師事務(wù)所 張?zhí)烀癫┦?監(jiān)管者視角中的信托業(yè)務(wù)風(fēng)險(xiǎn)[N];中國(guó)證券報(bào);2004年

5 薛莉;設(shè)置防火墻 解決信托業(yè)務(wù)監(jiān)管難題[N];上海證券報(bào);2005年

6 姜濤;江蘇六項(xiàng)舉措規(guī)范異地集合信托業(yè)務(wù)[N];經(jīng)濟(jì)參考報(bào);2007年

7 本報(bào)記者 唐真龍邋王文清;外貿(mào)信托信托業(yè)務(wù)規(guī)模近600億[N];上海證券報(bào);2008年

8 大連專員辦;信托業(yè)務(wù)檢查初探[N];中國(guó)財(cái)經(jīng)報(bào);2012年

9 肖懷洋;信托業(yè)務(wù)放開考驗(yàn)監(jiān)管的協(xié)調(diào)統(tǒng)一[N];證券日?qǐng)?bào);2013年

10 本報(bào)記者 杜雅文;家族信托業(yè)務(wù)短期尚難成熟[N];中國(guó)證券報(bào);2013年

相關(guān)碩士學(xué)位論文 前10條

1 韓紀(jì)寰;房地產(chǎn)信托業(yè)務(wù)內(nèi)部控制案例分析[D];財(cái)政部財(cái)政科學(xué)研究所;2015年

2 滕曄;論家族信托業(yè)務(wù)在中國(guó)發(fā)展的可能性[D];對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué);2015年

3 潘夢(mèng)影;論信托業(yè)務(wù)的發(fā)展及創(chuàng)新[D];河南大學(xué);2015年

4 齊源;信托公司并購(gòu)信托業(yè)務(wù)發(fā)展問(wèn)題研究[D];河北師范大學(xué);2016年

5 孫逢潞;吉林信托公司信托業(yè)務(wù)市場(chǎng)營(yíng)銷策略研究[D];吉林大學(xué);2016年

6 武云杰;興業(yè)信托公司信托業(yè)務(wù)發(fā)展研究[D];安徽大學(xué);2016年

7 劉申;A銀行家族信托業(yè)務(wù)競(jìng)爭(zhēng)戰(zhàn)略研究[D];山東大學(xué);2016年

8 蔣山;平安信托業(yè)務(wù)的風(fēng)險(xiǎn)控制研究[D];電子科技大學(xué);2015年

9 李奎中;我國(guó)銀信合作發(fā)展問(wèn)題研究[D];天津商業(yè)大學(xué);2016年

10 費(fèi)揚(yáng);基于案例剖析的中國(guó)信托業(yè)務(wù)模式研究[D];上海交通大學(xué);2012年

，

本文編號(hào)：1491286