本文選題：信托業(yè) + 風(fēng)險(xiǎn)管理　； 參考：《吉林財(cái)經(jīng)大學(xué)》2014年碩士論文

【摘要】：信托是一種以信任為基礎(chǔ)、財(cái)產(chǎn)為中心、委托為方式的財(cái)產(chǎn)管理制度，現(xiàn)代信托運(yùn)作極其靈活，集財(cái)產(chǎn)管理、資金融通和社會(huì)公益等功能為一體，在現(xiàn)代金融體系中占有重要地位。我國信托業(yè)經(jīng)歷六次清理整頓后發(fā)展迅猛，已成為繼銀行業(yè)以外的第二大金融支柱，信托資產(chǎn)規(guī)模在2013年末達(dá)到11萬億元，連續(xù)5年資產(chǎn)增長(zhǎng)率在50%左右。在迅速發(fā)展的同時(shí)，一些問題也凸顯出來，特別是在風(fēng)險(xiǎn)控制上潛伏諸多隱患，信托業(yè)能否健康、穩(wěn)定發(fā)展已然成為影響國家金融安全和經(jīng)濟(jì)穩(wěn)定發(fā)展的重要因素。對(duì)信托業(yè)風(fēng)險(xiǎn)管理的研究更加具有緊迫性和現(xiàn)實(shí)性。 我國信托業(yè)近年來的快速發(fā)展得益于信托業(yè)具有同時(shí)跨越貨幣市場(chǎng)、資本市場(chǎng)和產(chǎn)業(yè)市場(chǎng)經(jīng)營的特點(diǎn)，但這一特點(diǎn)也決定了信托業(yè)容易形成風(fēng)險(xiǎn)積聚。雖然近年來我國著力加強(qiáng)信托業(yè)法律制度建設(shè)，“一法三規(guī)”的頒布為信托業(yè)構(gòu)建了法律體系的基本框架和較成熟的監(jiān)管環(huán)境，但是整體風(fēng)險(xiǎn)管理仍然落后于信托業(yè)的快速發(fā)展，表現(xiàn)為制度體系不健全，，監(jiān)管缺位、行業(yè)自律缺乏等一系列問題。美、日、英等發(fā)達(dá)國家在信托業(yè)發(fā)展中的經(jīng)驗(yàn)告訴我們，信托業(yè)的風(fēng)險(xiǎn)管理需要政府監(jiān)管、社會(huì)監(jiān)督、行業(yè)自律、信托公司內(nèi)部控制等多方面的結(jié)合才能達(dá)到好的效果，才能避免在監(jiān)管缺位、制度存在漏洞的情況下，信托業(yè)畸形發(fā)展。 本文首先分析我國信托業(yè)存在的風(fēng)險(xiǎn)問題，從行業(yè)系統(tǒng)性風(fēng)險(xiǎn)、信托產(chǎn)品風(fēng)險(xiǎn)、信托公司內(nèi)部經(jīng)營風(fēng)險(xiǎn)三方面入手，結(jié)合近年爆發(fā)的信托風(fēng)險(xiǎn)事件對(duì)信托業(yè)風(fēng)險(xiǎn)進(jìn)行歸納分析，找尋在風(fēng)險(xiǎn)事件中頻發(fā)的風(fēng)險(xiǎn)點(diǎn)及風(fēng)險(xiǎn)成因，對(duì)建立我國風(fēng)險(xiǎn)管理模式有著實(shí)質(zhì)性的意義。其次對(duì)我國信托業(yè)風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行分析，分析我國信托業(yè)風(fēng)險(xiǎn)管理體系現(xiàn)行模式，分析我國信托業(yè)風(fēng)險(xiǎn)管理體系中存在的不足及漏洞。再次通過美、英、日三國信托業(yè)風(fēng)險(xiǎn)管理情況，提煉信托業(yè)發(fā)達(dá)國家管理經(jīng)驗(yàn)，為我國信托業(yè)風(fēng)險(xiǎn)管理體系的建設(shè)提供重要的借鑒意義。最后從法制體系的建設(shè)、外部市場(chǎng)環(huán)境的健全、信托行業(yè)的自律、信托公司內(nèi)部控制能力的提升、政府監(jiān)管方式的提升等方面構(gòu)建我國信托業(yè)風(fēng)險(xiǎn)管理體系，對(duì)我國信托業(yè)發(fā)展提供多方面支撐，確保信托業(yè)發(fā)展規(guī)模的前提下行業(yè)向縱深發(fā)展。
[Abstract]:Trust is a kind of property management system based on trust, property as the center and entrustment as the mode. The modern trust operation is extremely flexible and integrates the functions of property management, fund financing and social welfare. It plays an important role in the modern financial system. The trust industry in China has developed rapidly after six clean-up and rectification, and has become the second largest financial pillar after the banking industry. The scale of trust assets reached 11 trillion yuan at the end of 2013, and the growth rate of trust assets for 5 consecutive years was about 50%. At the same time, some problems are also highlighted, especially in the risk control potential many hidden dangers, trust industry health, stable development has become an important factor affecting the national financial security and economic stability. The research on risk management of trust industry is more urgent and realistic. The rapid development of the trust industry in China in recent years has benefited from the fact that the trust industry has the characteristics of crossing the money market, the capital market and the industrial market at the same time, but this characteristic also determines that the trust industry is easy to form the risk accumulation. Although in recent years China has made great efforts to strengthen the legal system construction of the trust industry, the promulgation of the "one Law and three rules" has established the basic framework of the legal system and a more mature regulatory environment for the trust industry. However, the overall risk management still lags behind the rapid development of the trust industry, which shows a series of problems, such as the imperfect system, the absence of supervision, the lack of self-discipline of the industry, and so on. The experience of the United States, Japan, Britain and other developed countries in the development of the trust industry tells us that the risk management of the trust industry requires a combination of government supervision, social supervision, industry self-discipline, internal control of trust companies, and so on, in order to achieve good results. In order to avoid in the absence of supervision, system loopholes, trust industry malformation development. This paper first analyzes the risk problems existing in the trust industry of our country, starting with the systemic risk of the industry, the risk of the trust product, the risk of the internal management of the trust company, and the inductive analysis of the risk of the trust industry combined with the occurrence of the trust risk events in recent years. It is of great significance to find out the risk point and the cause of the risk in the risk event, which is of great significance to the establishment of the risk management model in our country. Secondly, the paper analyzes the current situation of the risk management of trust industry in China, analyzes the current mode of risk management system of trust industry in China, and analyzes the shortcomings and loopholes in the risk management system of trust industry in China. Thirdly, through the situation of risk management of trust industry in America, Britain and Japan, the management experience of developed countries in trust industry is refined, which provides an important reference for the construction of risk management system of trust industry in our country. Finally, from the legal system construction, the external market environment perfect, the trust profession self-discipline, the trust company internal control ability enhancement, the government supervision way promotion and so on aspects constructs our country trust industry risk management system. It provides various support for the development of trust industry in China and ensures the development of trust industry in depth under the premise of the development scale of trust industry.
【學(xué)位授予單位】：吉林財(cái)經(jīng)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

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