發(fā)布時(shí)間：2018-07-21 11:45

【摘要】：信托業(yè)是現(xiàn)代金融行業(yè)的四大支柱之一,我國(guó)信托業(yè)在經(jīng)歷了六次整頓后,行業(yè)整體發(fā)展態(tài)勢(shì)良好。在我國(guó)的信托業(yè)經(jīng)歷了從1997年設(shè)立中國(guó)國(guó)際信托投資公司到2013年全行業(yè)共計(jì)65家信托公司,行業(yè)信托資產(chǎn)總規(guī)模達(dá)10.91萬億元。我國(guó)的信托業(yè)經(jīng)歷了從無到有,從小到大的巨大發(fā)展。2013年商業(yè)銀行和保險(xiǎn)資產(chǎn)管理公司資管計(jì)劃的推出,使得信托業(yè)全面進(jìn)入“泛資產(chǎn)管理時(shí)代”,行業(yè)競(jìng)爭(zhēng)日益加劇。因此,對(duì)信托公司的經(jīng)營(yíng)效率進(jìn)行測(cè)度,量化各個(gè)主要影響因素有利于信托公司改善經(jīng)營(yíng)狀況和增強(qiáng)競(jìng)爭(zhēng)力,并為金融機(jī)構(gòu)監(jiān)管提供理論依據(jù)。 首先,本文在對(duì)國(guó)內(nèi)外信托理論以及各類金融機(jī)構(gòu)經(jīng)營(yíng)效率進(jìn)行歸納分析的基礎(chǔ)之上,結(jié)合我國(guó)信托公司經(jīng)營(yíng)現(xiàn)狀,選取了2009年到2012年間持續(xù)經(jīng)營(yíng)的47家信托公司作為分析樣本,運(yùn)用數(shù)據(jù)包絡(luò)分析法對(duì)信托公司的技術(shù)效率、規(guī)模效率、純技術(shù)效率進(jìn)行了測(cè)度,核算出各家公司的相對(duì)效率。分析結(jié)果表明我國(guó)大部分信托公司都達(dá)不到技術(shù)有效狀態(tài)；并且信托公司內(nèi)部?jī)杉?jí)分化現(xiàn)象嚴(yán)重。但是,總體來看,我國(guó)信托行業(yè)的技術(shù)效率值是不斷提高的。 其次,界定了影響信托公司效率的諸多因素,主要是從宏觀層面出發(fā)、行業(yè)因素以及信托公司內(nèi)部微觀因素。然后再?gòu)奈⒂^層面出發(fā),從規(guī)模因素、成本管理、風(fēng)險(xiǎn)管理、創(chuàng)新能力和盈利能力幾個(gè)方面,選取具有一定代表意義的指標(biāo),根據(jù)審查回歸模型對(duì)六個(gè)影響因素進(jìn)行回歸分析,研究各個(gè)因素的影響程度�；貧w結(jié)果表明,公司規(guī)模、創(chuàng)新能力以及盈利能力對(duì)信托公司的技術(shù)效率有正相關(guān)關(guān)系,但是公司規(guī)模的影響能力在逐步下降。 最后,從信托公司自身和外部力量提升兩個(gè)方面分析如何提高公司效率。一方面信托公司應(yīng)當(dāng)積極推動(dòng)技術(shù)創(chuàng)新和產(chǎn)品創(chuàng)新,注重規(guī)模和效益的均衡,提高員工的素質(zhì),加強(qiáng)自身的風(fēng)險(xiǎn)管理能力；另一方面政府應(yīng)當(dāng)完善相關(guān)的法律法規(guī)政策,為信托行業(yè)今后的發(fā)展創(chuàng)造一個(gè)良好的環(huán)境。
[Abstract]:The trust industry is one of the four pillars of the modern financial industry . The trust industry in our country has experienced six times of rectification , the overall development trend of the industry is good . In our country , the trust industry has gone through the huge development of total industry of 65 trust companies from 1997 to 2013 . The trust industry in China has gone through the huge development of " pan - asset management era " and industry competition . Therefore , it is beneficial to measure and quantify the operation efficiency of trust companies . Therefore , it is beneficial to trust companies to improve their operation and enhance competitiveness , and to provide theoretical basis for the supervision of financial institutions .

First , based on the analysis of the trust theory and the operation efficiency of various financial institutions at home and abroad , the paper selects 47 trust companies which are continuously operated from 2009 to 2012 as the analysis samples , and then measures the technical efficiency , the scale efficiency and the pure technical efficiency of the trust companies by using the data envelope analysis method , and calculates the relative efficiency of each company . The analysis results show that most trust companies in China can not reach the technical effective state ;
In general , however , the technical efficiency value of the trust industry of our country is constantly increasing .

Secondly , the factors influencing the efficiency of trust companies are defined , mainly from the macro level , the industry factor and the internal micro - factors of trust companies . Then , from the micro level , from the aspects of scale factor , cost management , risk management , innovation ability and profitability , the influence degree of each factor is studied . The regression results show that the size , innovation ability and profitability of the company are positively related to the technical efficiency of trust companies , but the influence ability of the company scale is gradually declining .

At last , the author analyzes how to improve the efficiency of the company from both the trust company itself and the external force . On the one hand , the trust company should actively promote technological innovation and product innovation , pay attention to the balance of scale and benefit , improve employee ' s quality and strengthen its own risk management ability ;
On the other hand , the government should perfect the relevant laws and regulations and create a good environment for the future development of the trust industry .
【學(xué)位授予單位】：西北大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.39

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