本文關(guān)鍵詞：房地產(chǎn)信托風(fēng)險(xiǎn)管理研究　出處：《首都經(jīng)濟(jì)貿(mào)易大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 房地產(chǎn)信托 風(fēng)險(xiǎn)管理 層次分析法

【摘要】：風(fēng)險(xiǎn)管理始終是金融業(yè)發(fā)展過(guò)程中永恒主題。信托行業(yè)屬于高風(fēng)險(xiǎn)行業(yè)，我國(guó)信托行業(yè)進(jìn)入快速發(fā)展時(shí)期，日趨增多的金融創(chuàng)新業(yè)務(wù)及金融混業(yè)經(jīng)營(yíng)的趨勢(shì)，對(duì)信托公司在風(fēng)險(xiǎn)管理方面提出了更高的要求。隨著信托業(yè)務(wù)對(duì)社會(huì)經(jīng)濟(jì)的不斷滲透，橫跨貨幣市場(chǎng)、資本市場(chǎng)和產(chǎn)業(yè)市場(chǎng)的信托行業(yè)在中國(guó)經(jīng)濟(jì)社會(huì)中的地位和作用愈來(lái)愈重要。信托公司風(fēng)險(xiǎn)作為金融管理風(fēng)險(xiǎn)的重要組成部分，對(duì)我國(guó)經(jīng)濟(jì)安全具有重大影響。因此研究和探討信托公司風(fēng)險(xiǎn)管理機(jī)制優(yōu)化問(wèn)題具有重要的理論與現(xiàn)實(shí)意義。 房地產(chǎn)信托是信托業(yè)務(wù)重要組成部分，，也是房地產(chǎn)企業(yè)重要融資渠道與信托業(yè)利潤(rùn)重要來(lái)源，對(duì)房地產(chǎn)業(yè)的發(fā)展起到積極作用，具有社會(huì)理財(cái)、為房地產(chǎn)業(yè)融通資金與投融資服務(wù)功能�，F(xiàn)實(shí)表明，房地產(chǎn)信托發(fā)展具有顯著地逆經(jīng)濟(jì)周期特征，其根本原因在于信托業(yè)在我國(guó)金融行業(yè)中一直處于從屬地位，以及所具有的靈活性。同時(shí)也應(yīng)當(dāng)看到，在房地產(chǎn)業(yè)快速發(fā)展的同時(shí)，房地產(chǎn)信托存在的風(fēng)險(xiǎn)也越來(lái)越明顯，2012年以來(lái)其兌付風(fēng)險(xiǎn)逐步受到關(guān)注。目前引發(fā)信托行業(yè)區(qū)域性、系統(tǒng)性風(fēng)險(xiǎn)的可能性不大，但如何有效防范和化解信托業(yè)務(wù)風(fēng)險(xiǎn)仍是信托行業(yè)值得認(rèn)真思考和研究解決的重大課題。 風(fēng)險(xiǎn)管理是信托公司的核心競(jìng)爭(zhēng)力之一，風(fēng)險(xiǎn)管理機(jī)制是與風(fēng)險(xiǎn)管理一樣重要的基本工具。建立信托風(fēng)險(xiǎn)管理機(jī)制可以有效防止信托風(fēng)險(xiǎn)在金融系統(tǒng)擴(kuò)散，保證金融系統(tǒng)穩(wěn)定性。目前信托實(shí)務(wù)中大都采取了多樣化的風(fēng)險(xiǎn)管理機(jī)制，根據(jù)不同的產(chǎn)品有不同的風(fēng)險(xiǎn)控制與管理措施，雖然可以起到一定的作用，但是難以從根本上起到管理風(fēng)險(xiǎn)的目的。目前迫切需要對(duì)現(xiàn)有房地產(chǎn)信托風(fēng)險(xiǎn)管理機(jī)制進(jìn)行改進(jìn)，構(gòu)建更為全面有效的風(fēng)險(xiǎn)管理機(jī)制。 本文首先闡述房地產(chǎn)信托基本概念、運(yùn)作模式特征以及我國(guó)房地產(chǎn)信托發(fā)展現(xiàn)狀與存在主要風(fēng)險(xiǎn)及成因；然后以M信托公司為例，運(yùn)用層次分析法與模糊綜合評(píng)價(jià)法分析房地產(chǎn)信托風(fēng)險(xiǎn)影響因素；最后根據(jù)現(xiàn)實(shí)情況并借鑒其他行業(yè)經(jīng)驗(yàn)，分別從加強(qiáng)信托公司風(fēng)險(xiǎn)內(nèi)部控制、強(qiáng)化信托公司風(fēng)險(xiǎn)外部監(jiān)管與建立風(fēng)險(xiǎn)化解與緩沖機(jī)制等三個(gè)方面闡述房地產(chǎn)信托風(fēng)險(xiǎn)管理機(jī)制優(yōu)化對(duì)策。
[Abstract]:Risk management has always been the eternal theme in the development of the financial industry. Trust industry is a high-risk industry, China's trust industry has entered a period of rapid development, the increasing number of financial innovation business and the trend of financial mixed operation. Put forward higher requirements to trust companies in risk management. As trust business continues to infiltrate the social economy, across the money market. The trust industry of capital market and industry market plays an increasingly important role in Chinese economy and society. Trust company risk is an important part of financial management risk. Therefore, it is of great theoretical and practical significance to study and discuss the optimization of risk management mechanism of trust companies. Real estate trust is an important part of trust business and also an important source of financing channels and trust profits for real estate enterprises. It plays an active role in the development of the real estate industry and has social financial management. The reality shows that the development of real estate trust has the characteristic of reverse economic cycle, the fundamental reason is that the trust industry has been in a subordinate position in the financial industry of our country. And the flexibility. At the same time, we should also see that in the rapid development of the real estate industry, the risk of real estate trust is becoming more and more obvious. Since 2012, the risk of payment has been paid more and more attention. At present, the trust industry is regional, and the possibility of systemic risk is low. However, how to effectively prevent and resolve trust business risks is still a major issue worthy of serious consideration and research in trust industry. Risk management is one of the core competitiveness of trust companies, and risk management mechanism is as important as risk management. The establishment of trust risk management mechanism can effectively prevent trust risk from spreading in the financial system. To ensure the stability of the financial system. At present, most of the trust practice has adopted a variety of risk management mechanisms, according to different products have different risk control and management measures, although it can play a certain role. However, it is difficult to manage the risk fundamentally. At present, there is an urgent need to improve the existing risk management mechanism of real estate trust and build a more comprehensive and effective risk management mechanism. In this paper, the basic concept of real estate trust, the characteristics of operation mode, the current situation of real estate trust development in China and the main risks and causes are described. Then take M trust company as an example, using AHP and fuzzy comprehensive evaluation method to analyze the risk factors of real estate trust; Finally, according to the actual situation and learn from other industry experience, from strengthening the trust company risk internal control. Strengthening the external supervision of the risk of the trust company and establishing the risk resolution and buffer mechanism are three aspects to elaborate the optimization countermeasures of the risk management mechanism of the real estate trust.
【學(xué)位授予單位】：首都經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F299.23;F832.49

【引證文獻(xiàn)】

相關(guān)期刊論文 前2條

1 楊華;;我國(guó)當(dāng)前房地產(chǎn)信托風(fēng)險(xiǎn)現(xiàn)狀與優(yōu)化策略[J];經(jīng)營(yíng)管理者;2015年09期

2 趙杰;;關(guān)于房地產(chǎn)信托風(fēng)險(xiǎn)管理探究[J];商;2014年35期

本文編號(hào)：1388601