本文關(guān)鍵詞：我國(guó)信托業(yè)功能演進(jìn)和發(fā)展研究　出處：《山東大學(xué)》2014年博士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 金融發(fā)展 信托業(yè) 功能演進(jìn) 制度變遷 金融市場(chǎng)化 政策建議

【摘要】：信托制度的發(fā)展歷史悠久,在西方信托作為一種法律制度構(gòu)建廣泛應(yīng)用于民事、商事和金融領(lǐng)域,并伴隨金融的不斷創(chuàng)新得到廣泛的運(yùn)用。但信托制度在我國(guó)的引進(jìn)卻遭遇坎坷,從改革開(kāi)放恢復(fù)信托業(yè)發(fā)展以來(lái),信托業(yè)不斷遭受清理整頓,對(duì)我國(guó)信托業(yè)定位的探討也經(jīng)歷了不斷思索和揚(yáng)棄的過(guò)程。如果說(shuō)信托業(yè)的發(fā)展史是我國(guó)金融體制改革的一個(gè)縮影,那么,伴隨我國(guó)金融發(fā)展的不斷深化,信托業(yè)也是我國(guó)由金融抑制走向金融市場(chǎng)化、由政府外生構(gòu)建的體制架構(gòu)走向市場(chǎng)內(nèi)生演化的推進(jìn)者和見(jiàn)證者。本文立足于我國(guó)金融發(fā)展的大背景環(huán)境,深入探討研究了信托業(yè)的前世今生以及在我國(guó)發(fā)展的過(guò)去、現(xiàn)在和未來(lái),以制度經(jīng)濟(jì)學(xué)理論為基礎(chǔ)探討金融抑制環(huán)境中我國(guó)信托業(yè)的演進(jìn)歷史,以金融發(fā)展理論為導(dǎo)向論證了金融市場(chǎng)化過(guò)程中金融發(fā)展與信托業(yè)發(fā)展的互動(dòng)關(guān)系,從而對(duì)利率市場(chǎng)化不斷推進(jìn)、混業(yè)經(jīng)營(yíng)趨勢(shì)顯現(xiàn)、大資管大信托時(shí)代特征下信托業(yè)未來(lái)的發(fā)展進(jìn)行了思索,并在理論層和實(shí)務(wù)層上提出有效的政策建議。本文共分八個(gè)章節(jié)對(duì)問(wèn)題進(jìn)行了論述。 第一章,導(dǎo)論。提出了本文要研究的問(wèn)題和本文的立意,并對(duì)研究的意義、研究方法、文章的創(chuàng)新點(diǎn)和文章架構(gòu)進(jìn)行了闡述,是全文的概覽。 第二章,文獻(xiàn)綜述與理論框架。分別對(duì)金融發(fā)展和信托業(yè)功能演進(jìn)的國(guó)內(nèi)外研究進(jìn)行了較為詳盡的綜述,并對(duì)信托相關(guān)概念進(jìn)行了較為清晰的界定,從而理清國(guó)內(nèi)外研究現(xiàn)狀,對(duì)本文的研究提供有價(jià)值的參考,也為后文的分析做好理論鋪墊。在綜述的基礎(chǔ)上,本章節(jié)提出了本文金融發(fā)展與信托業(yè)功能演進(jìn)的研究框架,使后文的分析邏輯更清晰,引據(jù)更充分,架構(gòu)更緊密。 第三章,國(guó)外信托業(yè)功能演進(jìn)情況。對(duì)信托業(yè)發(fā)展特色突出、代表性強(qiáng)且具有歷史標(biāo)志性的英、美、日三國(guó)信托業(yè)功能演進(jìn)進(jìn)行了詳細(xì)的分析,通過(guò)對(duì)各國(guó)信托業(yè)的歷史演變、發(fā)展特點(diǎn)、功能演進(jìn)推動(dòng)因素的綜合分析,發(fā)現(xiàn)各國(guó)信托業(yè)發(fā)展演進(jìn)的共同推進(jìn)因素、差異及未來(lái)發(fā)展趨勢(shì),從而為我國(guó)信托業(yè)的功能演進(jìn)提供良好的對(duì)照標(biāo)準(zhǔn)和有益的啟示 第四章,我國(guó)金融發(fā)展進(jìn)程分析——基于改革探索和金融發(fā)展指數(shù)構(gòu)建的分析。我國(guó)金融發(fā)展是本文分析研究信托業(yè)功能演進(jìn)的大背景和脈絡(luò)主干。通過(guò)對(duì)我國(guó)金融體制改革發(fā)展歷程回顧,對(duì)我國(guó)金融發(fā)展進(jìn)行了理論上的分析；通過(guò)對(duì)我國(guó)貨幣化發(fā)展趨勢(shì)以及貨幣市場(chǎng)化、資本市場(chǎng)化、金融機(jī)構(gòu)市場(chǎng)化情況的分析,對(duì)我國(guó)金融發(fā)展進(jìn)行了量化的考察；通過(guò)對(duì)金融發(fā)展指數(shù)的構(gòu)造,對(duì)我國(guó)金融發(fā)展進(jìn)程進(jìn)行了大致的劃分,認(rèn)為2005年之前我國(guó)金融發(fā)展基本處于高度抑制狀態(tài),而2006年以來(lái)金融發(fā)展向著市場(chǎng)化軌道不斷邁進(jìn),信托業(yè)的發(fā)展與此脈絡(luò)基本吻合且具有一定的先行性,在此分析劃分基礎(chǔ)上第五章、第六章分別就金融抑制、金融市場(chǎng)化進(jìn)程中信托業(yè)的發(fā)展進(jìn)行了論述。 第五章,金融抑制下我國(guó)信托業(yè)功能演進(jìn)——基于政府外生構(gòu)建的制度變遷分析。運(yùn)用新古典制度經(jīng)濟(jì)學(xué)的制度變遷理論以及國(guó)內(nèi)學(xué)者對(duì)制度變遷的研究結(jié)論,將我國(guó)信托業(yè)的演進(jìn)歷史置于制度變遷理論的研究框架中,討論了金融抑制下信托業(yè)功能發(fā)揮存在的問(wèn)題,并對(duì)政府主導(dǎo)下我國(guó)信托制度的強(qiáng)制性變遷、變遷效率、路徑依賴進(jìn)行了評(píng)價(jià),認(rèn)為我國(guó)信托制度變遷歷經(jīng)整頓卻難以擺脫功能錯(cuò)位、治亂怪圈的原因在于金融抑制下基于政府外生構(gòu)建的信托制度承擔(dān)了部分改革先鋒的職能,信托制度的變遷存在較為嚴(yán)重的路徑依賴,2001年后信托“一法兩規(guī)”的施行對(duì)打破路徑依賴進(jìn)行信托制度的重構(gòu)有重大作用,在金融市場(chǎng)化發(fā)展趨勢(shì)下,誘致性制度變遷力量的影響力會(huì)愈加彰顯。 第六章,金融市場(chǎng)化進(jìn)程中我國(guó)信托業(yè)的功能演進(jìn)——基于市場(chǎng)內(nèi)生演化的現(xiàn)狀分析。從我國(guó)金融市場(chǎng)化遠(yuǎn)遠(yuǎn)滯后于商品市場(chǎng)化、仍未完全解決二元體制或雙軌制問(wèn)題、存在“制度逆行”問(wèn)題三個(gè)角度提出了我國(guó)金融市場(chǎng)化的特點(diǎn),從而更好的理解我國(guó)信托功能演進(jìn)的特點(diǎn)和問(wèn)題存在的深層次根源,在此基礎(chǔ)上分析了貨幣市場(chǎng)化、資本市場(chǎng)化與信托業(yè)發(fā)展的互動(dòng)關(guān)系,并深入論述了利率市場(chǎng)化推進(jìn)過(guò)程中、金融混業(yè)趨勢(shì)下、財(cái)富管理縱深發(fā)展的金融環(huán)境下信托業(yè)的發(fā)展問(wèn)題。 第七章,我國(guó)信托業(yè)發(fā)展功能定位探討——未來(lái)布局與政策建議。在前文論述的基礎(chǔ)上,這一部分主要對(duì)信托業(yè)發(fā)展定位及功能演進(jìn)中政府、市場(chǎng)發(fā)揮作用的界限、范圍、力度提供建議,對(duì)我國(guó)信托業(yè)未來(lái)發(fā)展路徑及行業(yè)布局進(jìn)行了初步的假設(shè)和構(gòu)想,并對(duì)信托業(yè)未來(lái)的發(fā)展及可創(chuàng)新的模式進(jìn)行了思考。 第八章,結(jié)束語(yǔ)�；仡櫸恼聦�(xiě)作的初衷并對(duì)文章的主要觀點(diǎn)進(jìn)行了總結(jié)。
[Abstract]:The history of the development of the trust system in the long history, the Western trust as a kind of legal system construction is widely used in civil, commercial and financial fields, and with the financial innovation has been widely used. But the trust system introduction in our country has experienced ups and downs, since the recovery from the reform and opening up the development of the trust industry, trust industry continue to suffer rectification study on positioning, the trust industry in China has experienced the process of thinking and sublation. If the history of the development of said trust industry is a microcosm of China's financial system reform, with the deepening of China's financial development, the trust industry of our country also by financial control to finance market, promote health the evolution of the system constructed by the government to the market and exogenous witnesses. Based on the development of China's financial background, in-depth study of the trust industry and in my past life In the past, present and future, based on the theory of institutional economics is based on the historical evolution of China's trust industry financial repression in the environment, with the theory of financial development oriented demonstrates the interactive relationship between the development of financial development and financial trust industry in the process of marketization, and the market interest rate continues to advance, showing the trend of mixed operation large information management, the development of the trust industry trust era characteristics of future thinking, and put forward effective policy suggestions in the theory and practice level. This paper is divided into eight chapters on the issues discussed.
The first chapter is the introduction. It puts forward the problems and the purpose of this paper, and elaborates the significance of the research, research methods, the innovation and the framework of the article.
The second chapter, literature review and theoretical framework of the study at home and abroad. The financial development and the functions of trust evolution are reviewed in detail, and the related concepts of trust were more clearly defined, so as to clarify the research situation at home and abroad, to provide valuable reference for the research of this paper, also for later analysis pave the way. Based on the survey, this chapter proposes the research frame of financial development and functions of trust evolution, the analysis of the logic more clear, citing more fully, architecture more closely.
The third chapter, the evolution of foreign trust industry. The development of trust industry outstanding characteristics, representative and historic landmark beauty, Britain, Japan Trust function evolution are analyzed in detail, through the national trust industry's historical evolution, development characteristics, comprehensive analysis function of impetus factors, found the development of all countries to jointly promote the development of trust industry factors, differences and future development trend, provide standard control good and beneficial enlightenment to China's trust industry function evolution
The fourth chapter, analysis of the process of financial development in China -- Analysis Based on the reform and construction of financial development index. China's financial development is based on the analysis and Study on trust function evolution and the background of the vein trunk. Based on a review of the reform and development of China's financial system, the financial development in China is analyzed by theory; the development trend of China's monetary and monetary market, capital market, financial institutions market situation analysis, on China's financial development conducted a quantitative investigation; by constructing the index of financial development, the process of financial development in China was roughly divided, that by 2005 China's financial development in the height of the inhibitory state, and since 2006 the financial development to the market track of developing, the development of the trust industry is consistent and has certain advance in this. Analysis based on the division of the fifth chapter, the sixth chapter of financial repression, the development process of financial market CITIC TOEIC are discussed.
The fifth chapter, analysis of the evolution of China's trust industry under financial restraint function -- Based on the institutional change the government building. The use of exogenous conclusions on the institutional change of the new classical theory of institutional change and domestic scholars, the research on the theoretical framework of the evolution of history in the institutional change of China Trust industry, discusses the financial repression under trust the function of industry problems, mandatory changes, and the government under the leadership of the trust system in China the change of efficiency, path dependence evaluation, that our trust system changes after rectification is difficult to get rid of functional dislocation, cause disorder circle is financial repression the government under the construction of trust system based on exogenous bear some reform pioneer the functions of existing path dependence of serious changes in the trust system, trust in 2001 after the "one law and two regulations" of the implementation of the path dependence The reconstruction of the trust system has a great effect. In the trend of the development of the financial market, the influence of the induced institutional change will become more and more obvious.
The sixth chapter analyses the function evolution of the trust industry in China in the process of financial market -- Based on the market situation of endogenous evolution. From China's financial market is far behind the commodity market, has not yet been fully resolved two yuan or two track system, the existence of "three angles retrograde system" put forward the characteristics of China's financial the market, deep root characteristics and problems in order to better understand the function of China's trust evolution, based on the analysis of the monetary market, capital market and interactive relationship between the development of the trust industry, and further discusses the interest rate marketization process, the trend of mixed development, wealth management the further development of the financial environment of the trust industry.
The seventh chapter, the function orientation of the development of the trust industry in China -- a discussion on the future layout and policy recommendations. On the basis of the above discussion, the main part of the development of trust the government position and function in the evolution, the role of the market boundaries, to provide advice on scope, intensity, path and industry layout in the future development of China's trust industry a preliminary hypothesis and ideas, and for the future development of the trust industry and the innovation mode of thinking.
The eighth chapter, the end of the article. Review the original intention of the article and summarize the main points of the article.

【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：博士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.49

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本文編號(hào)：1426950