本文選題：信托融資項(xiàng)目　切入點(diǎn)：風(fēng)險(xiǎn)管理　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：信托業(yè)整體發(fā)展較快,信托資產(chǎn)規(guī)模龐大,受經(jīng)濟(jì)下行影響,信托融資項(xiàng)目風(fēng)險(xiǎn)事件持續(xù)增長(zhǎng),傳統(tǒng)的以債權(quán)運(yùn)用為主、項(xiàng)目融資型的融資類信托業(yè)務(wù)已經(jīng)成為風(fēng)險(xiǎn)項(xiàng)目的重災(zāi)區(qū)。在政策方面,《信托子公司管理辦法》、《信托公司盡職調(diào)查指引》等監(jiān)管制度將逐步完善;同時(shí),凈資本管理辦法、監(jiān)管評(píng)級(jí)、信托公司行業(yè)評(píng)級(jí)等管理辦法將逐步落實(shí),信托行業(yè)在不斷規(guī)范,但單憑外部監(jiān)管并不足以有效控制信托融資項(xiàng)目風(fēng)險(xiǎn),因此,本文試圖剖析信托融資項(xiàng)目風(fēng)險(xiǎn)管理特征,從風(fēng)險(xiǎn)管理角度為信托融資項(xiàng)目風(fēng)險(xiǎn)防范提供應(yīng)對(duì)措施。本文據(jù)此對(duì)湖南信托公司JB棚戶區(qū)改造融資項(xiàng)目風(fēng)險(xiǎn)進(jìn)行了研究與分析。首先,闡述國(guó)內(nèi)外風(fēng)險(xiǎn)管理理論研究現(xiàn)狀,并界定了項(xiàng)目風(fēng)險(xiǎn)管理相關(guān)概念。其次,根據(jù)風(fēng)險(xiǎn)管理理論與項(xiàng)目具體特征,識(shí)別與構(gòu)建了融資項(xiàng)目風(fēng)險(xiǎn)清單,即從宏觀風(fēng)險(xiǎn)、信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)及管理主體風(fēng)險(xiǎn)四個(gè)層面對(duì)本文研究項(xiàng)目進(jìn)行了風(fēng)險(xiǎn)識(shí)別工作,在此基礎(chǔ)上,構(gòu)建了本融資項(xiàng)目的風(fēng)險(xiǎn)識(shí)別清單。針對(duì)風(fēng)險(xiǎn)識(shí)別清單,本文采用“頭腦風(fēng)暴法—調(diào)查問卷法”對(duì)風(fēng)險(xiǎn)因子發(fā)生的可能性及影響程度進(jìn)行定量分析與評(píng)估,進(jìn)而得出項(xiàng)目風(fēng)險(xiǎn)等級(jí)較高的風(fēng)險(xiǎn)因子。最后,本文針對(duì)風(fēng)險(xiǎn)等級(jí)較的風(fēng)險(xiǎn)因子制定了相應(yīng)的風(fēng)險(xiǎn)控制措施,進(jìn)而為信托融資項(xiàng)目的風(fēng)險(xiǎn)管理研究與實(shí)踐提供參考依據(jù)。本文的創(chuàng)新之處:一是綜合性分析信托融資項(xiàng)目風(fēng)險(xiǎn)管理體系,追加了信托管理主體風(fēng)險(xiǎn)管理研究;二是采用定性與定量的方式對(duì)風(fēng)險(xiǎn)因子進(jìn)行定量評(píng)估,為后文制定風(fēng)險(xiǎn)控制措施提供了科學(xué)的決策依據(jù)。本文的不足之處:本文研究是單個(gè)信托融資項(xiàng)目風(fēng)險(xiǎn)管理與控制,研究流程與風(fēng)險(xiǎn)分析與評(píng)估具有針對(duì)性,加上信托融資項(xiàng)目具有交易結(jié)構(gòu)復(fù)雜性和風(fēng)險(xiǎn)不確定性,因此,本文提出的風(fēng)險(xiǎn)控制措施也必然存在應(yīng)用的局限性。
[Abstract]:The trust industry as a whole has developed rapidly, the scale of trust assets is huge and affected by the downward economic decline. The risk events of trust financing projects have continued to grow, and the traditional use of creditor's rights is the main factor. The project financing type of trust business has become a serious disaster area for risk projects. In terms of policy, the supervision system, such as the Trust subsidiary Management measures and the Trust Company due diligence guidelines, will be gradually improved. At the same time, the net capital management measures will be improved. Regulatory ratings, trust company industry ratings and other management measures will be gradually implemented, the trust industry is constantly regulating, but external supervision alone is not enough to effectively control trust financing project risk, therefore, This paper attempts to analyze the risk management characteristics of trust financing projects. From the angle of risk management, this paper studies and analyzes the risk of JB shantytown reconstruction financing project of Hunan Trust Company. Firstly, it expounds the present situation of risk management theory research at home and abroad. Secondly, according to the theory of risk management and the specific characteristics of the project, the risk list of financing projects is identified and constructed, that is, from the macro risk, credit risk, On the basis of the risk identification work of the research project in this paper, the risk identification list of the financing project is constructed, which is aimed at the risk identification list. In this paper, the possibility and influence degree of risk factors are quantitatively analyzed and evaluated by "brainstorming and questionnaire method", and the higher risk factors are obtained. In this paper, the corresponding risk control measures are made for the risk factors of risk grade. The innovations of this paper are as follows: 1. Comprehensive analysis of the risk management system of trust financing projects, adding the research on risk management of the subject of trust management; The second is the quantitative evaluation of risk factors by qualitative and quantitative methods, which provides a scientific decision basis for the later formulation of risk control measures. The shortcomings of this paper are: the risk management and control of a single trust financing project. The research process and risk analysis and evaluation have pertinence, and the trust financing project has the complexity of transaction structure and the uncertainty of risk. Therefore, the risk control measures proposed in this paper must also have the limitation of application.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.39;F299.27

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