本文關(guān)鍵詞：我國(guó)信托業(yè)務(wù)的發(fā)展與創(chuàng)新研究　出處：《北京交通大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 信托 產(chǎn)品創(chuàng)新 發(fā)展方向

【摘要】：中國(guó)國(guó)際信托投資公司的成立標(biāo)志著現(xiàn)代的中國(guó)信托業(yè)開(kāi)始恢復(fù),從那以后中國(guó)信托業(yè)得到了長(zhǎng)足的發(fā)展。在接下來(lái)的的時(shí)間里信托業(yè)經(jīng)歷了六次不同程度的清理整頓,中國(guó)人民銀行出臺(tái)并實(shí)施了一系列的法律法規(guī),以加強(qiáng)行業(yè)的風(fēng)險(xiǎn)管理和監(jiān)管。隨著2001年10月《中華人民共和國(guó)信托法》出臺(tái),2007年銀監(jiān)又相繼出臺(tái)了《信托公司管理辦法》和《信托公司集合資金信托計(jì)劃管理辦法》,信托行業(yè)逐漸開(kāi)始形成以補(bǔ)充商業(yè)銀行和資本市場(chǎng)體系、提供信貸融資服務(wù)為主的商業(yè)模式。中國(guó)經(jīng)濟(jì)某些特定領(lǐng)域的融資需求,是傳統(tǒng)的商業(yè)銀行體系和欠發(fā)達(dá)的債權(quán)資本市場(chǎng)所無(wú)法滿足的,為信托行業(yè)提供的發(fā)展空間。一方面,在過(guò)去的十年中,中國(guó)經(jīng)濟(jì)高速發(fā)展,社會(huì)財(cái)富快速增長(zhǎng),同時(shí),實(shí)際存款利率低迷,資本市場(chǎng)表現(xiàn)差強(qiáng)人意,信托行業(yè)受到了高凈值人群和機(jī)構(gòu)投資者的廣泛青睞,獲取了市場(chǎng)上大量的投資資金。另一方面,現(xiàn)行的金融監(jiān)管框架下,信托公司承擔(dān)了特定類別財(cái)富管理產(chǎn)品開(kāi)發(fā)的功能,即“出借”信托牌照給受監(jiān)管限制無(wú)法涉足某些投資領(lǐng)域的其它金融機(jī)構(gòu),例如銀行與證券公司。這兩方面的因素共同促成了信托行業(yè)的井噴式增長(zhǎng)。造就了中國(guó)信托業(yè)過(guò)去十年跳躍式的增長(zhǎng),形成并培養(yǎng)了巨大潛力和規(guī)模的信托市場(chǎng),截至2012年年底,信托行業(yè)管理資產(chǎn)達(dá)到7.47萬(wàn)億元大關(guān),超過(guò)保險(xiǎn)、券商、基金等,成為管理資產(chǎn)僅次于銀行的第二大金融產(chǎn)業(yè)。 然而,在規(guī)模繁榮的表象下,信托行業(yè)面臨著很大的挑戰(zhàn)。據(jù)估算,當(dāng)前中國(guó)信托公司的業(yè)務(wù)組合中,88%的業(yè)務(wù)收入都將在中長(zhǎng)期面臨嚴(yán)峻的挑戰(zhàn)。伴隨著信托業(yè)務(wù)結(jié)構(gòu)向非信托金融機(jī)構(gòu)的逐步放開(kāi),信托公司面臨的競(jìng)爭(zhēng)壓力將越來(lái)越大,同時(shí)由于信托貸款集中于房地產(chǎn)、政府融資平臺(tái)等較高風(fēng)險(xiǎn)領(lǐng)域,一旦宏觀經(jīng)濟(jì)開(kāi)始周期性下行,信托貸款業(yè)務(wù)勢(shì)必首當(dāng)其沖受到?jīng)_擊。所以,在整個(gè)金融行業(yè)競(jìng)爭(zhēng)日趨激烈和經(jīng)濟(jì)下行的背景下,信托行業(yè)應(yīng)該在在未來(lái)的發(fā)展中尋求在現(xiàn)有的模式上進(jìn)行創(chuàng)新,調(diào)整原來(lái)的盈利模式,最終使我國(guó)的信托業(yè)真正成為發(fā)展目標(biāo)明確,定位清晰的金融機(jī)構(gòu)。 本文從信托業(yè)發(fā)展的視角,通過(guò)與國(guó)外發(fā)達(dá)國(guó)家信托發(fā)展的歷程比較,并對(duì)我國(guó)信托業(yè)的發(fā)展及信托產(chǎn)品的創(chuàng)新進(jìn)行總結(jié),分析得出未來(lái)我國(guó)金融形勢(shì)的發(fā)展機(jī)會(huì),并從從信托創(chuàng)新的視角對(duì)信托業(yè)今后的發(fā)展提出了新的發(fā)展思路,提出了今后我國(guó)信托業(yè)發(fā)展意見(jiàn)和建議。
[Abstract]:China International Trust Investment Company marks the establishment of modern China trust industry began to recover, has got great development since the Chinese trust industry. In the next time, the trust industry has experienced six different degrees of rectification, the people's Bank of China promulgated and implemented a series of laws and regulations, to strengthen industry supervision and risk management with the October 2001 People's Republic of China trust issued < >, 2007 CBRC has unveiled a "trust management" and "trust capital trust plan management", the trust industry gradually began to form of commercial banks and capital market system, to provide financing service based business model. Chinese economy financing needs of certain areas that is the traditional system of commercial banks and underdeveloped debt capital markets can not satisfy the trust industry. Provide space for development. On the one hand, in the past ten years, the rapid development of Chinese economy, rapid growth of social wealth, at the same time, the actual deposit interest rate low, just passable performance of capital markets, the trust industry widely favored by the high net worth individuals and institutional investors, to obtain a large number of investment funds on the market. On the other hand, financial supervision under the framework of current trust company to undertake a specific category of wealth management product development function, other financial institutions that lend trust license to be subject to regulatory restrictions can not be involved in some areas of investment, such as banks and securities companies. These two factors contribute to the trust industry growth spurt created China. The trust industry in the past ten years increased by leaps and bounds, and cultivate the great potential and the size of the trust market, by the end of 2012, the trust industry asset management reached 74 thousand and 700 It has become the second largest financial industry that manages assets second only to the bank.
However, the scale of the appearance of prosperity, the trust industry is facing great challenges. It is estimated that the current Chinese trust company's business portfolio, 88% of the business income in the long term will face severe challenges. Along with the gradual opening of financial institutions to non trust trust business, trust company is facing the pressure of competition at the same time will be more and more, because of the trust loans concentrated in real estate, government financing platform and other high risk areas, once the macro economy began a cyclical downturn, the trust loan business is bound to bear the brunt of the impact. Therefore, the competition in the financial industry is becoming increasingly fierce and the background of the economic downturn, the trust industry should seek for innovation in the existing mode in the future development, the adjustment of the original profit model, finally make our trust industry truly become clear development goals of financial institutions, clear positioning.
This article from the perspective of the development of the trust industry, trust through history and development in some developed countries, innovation and development of China's trust industry and trust products and summary, analysis of the opportunities for future development of China's financial situation, and new ideas are put forward from the perspective of development from the innovation of trust trust industry in the future and put forward the future development of our trust industry comments and suggestions.

【學(xué)位授予單位】：北京交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.49

【參考文獻(xiàn)】

相關(guān)期刊論文 前2條

1 馮果;李安安;;金融創(chuàng)新視域下的公司治理——公司法制結(jié)構(gòu)性變革的一個(gè)前瞻性分析[J];法學(xué)評(píng)論;2010年06期

2 徐兵;;我國(guó)信托業(yè)發(fā)展現(xiàn)狀及未來(lái)發(fā)展方向[J];經(jīng)濟(jì)師;2012年04期

，

本文編號(hào)：1413655