日本信托業(yè)發(fā)展及其啟示研究
發(fā)布時間：2019-05-29 07:33
【摘要】：日本信托制度雖引自美國，但在發(fā)展過程中與國內(nèi)經(jīng)濟與金融相配合，靈活的運用制度與方式，不斷地擴充規(guī)模與效益，發(fā)展成為日本金融體系的支柱，并有其獨特的作用。在日本，，信托業(yè)目前不是單獨存在，而是作為信托銀行、與其他銀行、證券和保險享有同等的待遇與發(fā)展契機，因為信托銀行享有的制度與政策的優(yōu)勢，因此在日本金融業(yè)中處于一種優(yōu)勢地位，日本信托業(yè)在日本經(jīng)濟發(fā)展中的作用也非常明顯。 中國目前經(jīng)濟發(fā)展強烈的需求健康的金融組織與健全的金融體系，而中國信托業(yè)的發(fā)展起步晚，相關(guān)的制度配套不完善，與目前的中國的金融需求差距甚遠。本研究就是在這樣的歷史背景及前提下，選擇了日本信托業(yè)的發(fā)展歷程、發(fā)展模式、信托發(fā)展對金融及經(jīng)濟發(fā)展的作用作為研究對象。本文對日本信托自引入以來發(fā)展的歷程、日本信托發(fā)展的模式進行系統(tǒng)論述、并揭示日本信托在國民經(jīng)濟中與金融、經(jīng)濟之間的關(guān)系及其在推進日本信托發(fā)展的歷史作用。日本信托最近幾十年來的發(fā)展時期滲透到國民經(jīng)濟的各個部門，本文將日本信托的發(fā)展至于日本經(jīng)濟發(fā)展的幾個階段背景下予以考察，從分析來看，沒有日本經(jīng)濟的蓬勃發(fā)展就沒有日本信托的今天，日本的信托業(yè)通過優(yōu)化金融的資源配置，改變資本市場和貨幣市場結(jié)構(gòu)對經(jīng)濟發(fā)展起到積極作用。在這種情況下，本文梳理了目前理論界對信托的研究現(xiàn)狀及信托的起源及業(yè)務(wù)行為，并以金融發(fā)展理論為基礎(chǔ)，認為金融信托發(fā)展理論是金融發(fā)展理論的重要組成部分，金融信托與經(jīng)濟發(fā)展相輔相成主要研究日本信托業(yè)發(fā)展的歷程、發(fā)展模式及其對金融、經(jīng)濟發(fā)展的作用,以實證模型分析的方法分析了日本信托與經(jīng)濟發(fā)展之間的聯(lián)動性，日本信托的發(fā)展模式與發(fā)展水平，是有益于日本經(jīng)濟發(fā)展的。不斷完善的信托制度是日本信托業(yè)發(fā)展的基礎(chǔ)，而且信托業(yè)不斷繁榮是日本經(jīng)濟發(fā)展在技術(shù)進步和資本勞動因素之外的重要動力。信托的發(fā)展帶動了生產(chǎn)資料的優(yōu)化配置，使得資本與勞動力的生產(chǎn)效率進一步提高。在分析日本信托發(fā)展積極方面的同時理清日本信托業(yè)發(fā)展過程中的障礙及消極作用，分析日本信托業(yè)健康發(fā)展，并發(fā)揮推動經(jīng)濟發(fā)展作用的原因；進而在此基礎(chǔ)上，提出實現(xiàn)中國信托業(yè)迅速發(fā)展的政策建議，從日本信托發(fā)展中得到啟示避免彎路。 宏觀經(jīng)濟環(huán)境的變化，以及金融監(jiān)管、創(chuàng)新和改革的變遷不僅是近年來日本信托業(yè)蓬勃發(fā)展，形成文中發(fā)展模式的主要推動力，而且也是影響信托業(yè)未來走向的決定性因素。和日本類似，中國信托業(yè)的發(fā)展變化也是和中國宏觀經(jīng)濟環(huán)境以及金融自由化改革這兩個關(guān)鍵詞緊密聯(lián)系在一起的。因此，我們應(yīng)該可以通過回顧日本的經(jīng)驗，找到中國信托業(yè)現(xiàn)在面臨的潛在風險，窺探出未來的發(fā)展方向。
[Abstract]:Although the Japanese trust system is introduced from the United States, it cooperates with the domestic economy and finance in the process of development, flexibly uses the system and way, constantly expands the scale and benefit, develops into the pillar of the Japanese financial system, and has its unique function. In Japan, the trust industry does not exist alone at present, but as a trust bank, it enjoys the same treatment and development opportunities as other banks, securities and insurance, because of the advantages of the system and policies enjoyed by trust banks. Therefore, it is in a dominant position in the Japanese financial industry, and the role of the Japanese trust industry in the economic development of Japan is also very obvious. At present, China's economic development has a strong demand for healthy financial organizations and a sound financial system, but the development of China's trust industry started late, the relevant systems are not perfect, and there is a long way to go with the current financial demand in China. Under such a historical background and premise, this study chooses the development process, development model and the role of trust development on financial and economic development as the research object. This paper systematically discusses the course of the development of Japanese trust and the mode of Japanese trust development since its introduction, and reveals the relationship between Japanese trust and finance and economy in the national economy and its historical role in promoting the development of Japanese trust. The development period of Japanese trust in recent decades has penetrated into various departments of the national economy. This paper examines the development of Japanese trust as to several stages of Japanese economic development, from an analysis point of view. Without the vigorous development of Japanese economy, there can be no Japanese trust. Japan's trust industry plays a positive role in economic development by optimizing the allocation of financial resources and changing the structure of capital market and money market. In this case, this paper combs the current research status of trust and the origin and business behavior of trust in the theoretical circle, and based on the theory of financial development, holds that the theory of financial trust development is an important part of the theory of financial development. Financial trust and economic development complement each other. This paper mainly studies the course and development model of Japanese trust industry and its role in financial and economic development, and analyzes the relationship between Japanese trust and economic development by means of empirical model analysis. The development model and level of Japanese trust is beneficial to the development of Japanese economy. The continuous improvement of trust system is the basis of the development of Japanese trust industry, and the continuous prosperity of trust industry is an important driving force for Japan's economic development in addition to technological progress and capital labor factors. The development of trust leads to the optimal allocation of means of production and further improves the production efficiency of capital and labor force. While analyzing the positive aspects of the development of Japanese trust, this paper clarifies the obstacles and negative effects in the process of the development of Japanese trust industry, analyzes the reasons for the healthy development of Japanese trust industry and plays an important role in promoting economic development. On this basis, this paper puts forward some policy suggestions to realize the rapid development of China's trust industry, and obtains enlightenment from the development of Japanese trust to avoid detours. The change of macroeconomic environment, as well as the changes of financial supervision, innovation and reform, are not only the main driving force for the vigorous development of Japanese trust industry in recent years and the formation of the development model in this paper, but also the decisive factor affecting the future trend of trust industry. Similar to Japan, the development and change of China's trust industry is closely linked to the two keywords of China's macroeconomic environment and financial liberalization reform. Therefore, we should be able to look back on the experience of Japan, find out the potential risks faced by China's trust industry, and explore the future direction of development.
【學位授予單位】：吉林大學
【學位級別】：博士
【學位授予年份】：2013
【分類號】：F833.13
本文編號：2487759
[Abstract]:Although the Japanese trust system is introduced from the United States, it cooperates with the domestic economy and finance in the process of development, flexibly uses the system and way, constantly expands the scale and benefit, develops into the pillar of the Japanese financial system, and has its unique function. In Japan, the trust industry does not exist alone at present, but as a trust bank, it enjoys the same treatment and development opportunities as other banks, securities and insurance, because of the advantages of the system and policies enjoyed by trust banks. Therefore, it is in a dominant position in the Japanese financial industry, and the role of the Japanese trust industry in the economic development of Japan is also very obvious. At present, China's economic development has a strong demand for healthy financial organizations and a sound financial system, but the development of China's trust industry started late, the relevant systems are not perfect, and there is a long way to go with the current financial demand in China. Under such a historical background and premise, this study chooses the development process, development model and the role of trust development on financial and economic development as the research object. This paper systematically discusses the course of the development of Japanese trust and the mode of Japanese trust development since its introduction, and reveals the relationship between Japanese trust and finance and economy in the national economy and its historical role in promoting the development of Japanese trust. The development period of Japanese trust in recent decades has penetrated into various departments of the national economy. This paper examines the development of Japanese trust as to several stages of Japanese economic development, from an analysis point of view. Without the vigorous development of Japanese economy, there can be no Japanese trust. Japan's trust industry plays a positive role in economic development by optimizing the allocation of financial resources and changing the structure of capital market and money market. In this case, this paper combs the current research status of trust and the origin and business behavior of trust in the theoretical circle, and based on the theory of financial development, holds that the theory of financial trust development is an important part of the theory of financial development. Financial trust and economic development complement each other. This paper mainly studies the course and development model of Japanese trust industry and its role in financial and economic development, and analyzes the relationship between Japanese trust and economic development by means of empirical model analysis. The development model and level of Japanese trust is beneficial to the development of Japanese economy. The continuous improvement of trust system is the basis of the development of Japanese trust industry, and the continuous prosperity of trust industry is an important driving force for Japan's economic development in addition to technological progress and capital labor factors. The development of trust leads to the optimal allocation of means of production and further improves the production efficiency of capital and labor force. While analyzing the positive aspects of the development of Japanese trust, this paper clarifies the obstacles and negative effects in the process of the development of Japanese trust industry, analyzes the reasons for the healthy development of Japanese trust industry and plays an important role in promoting economic development. On this basis, this paper puts forward some policy suggestions to realize the rapid development of China's trust industry, and obtains enlightenment from the development of Japanese trust to avoid detours. The change of macroeconomic environment, as well as the changes of financial supervision, innovation and reform, are not only the main driving force for the vigorous development of Japanese trust industry in recent years and the formation of the development model in this paper, but also the decisive factor affecting the future trend of trust industry. Similar to Japan, the development and change of China's trust industry is closely linked to the two keywords of China's macroeconomic environment and financial liberalization reform. Therefore, we should be able to look back on the experience of Japan, find out the potential risks faced by China's trust industry, and explore the future direction of development.
【學位授予單位】：吉林大學
【學位級別】：博士
【學位授予年份】：2013
【分類號】：F833.13
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