本文關(guān)鍵詞： 信托公司 財(cái)務(wù)風(fēng)險(xiǎn)評(píng)價(jià) 因子分析 聚類分析　出處：《暨南大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：信托是我國(guó)金融業(yè)的重要組成部分，其管理的總資產(chǎn)規(guī)模已于2012年底超越保險(xiǎn)業(yè)，成為管理資產(chǎn)規(guī)模僅次于銀行業(yè)的第二大金融主體。因此，信托業(yè)能否健康、穩(wěn)定的發(fā)展對(duì)我國(guó)金融業(yè)至關(guān)重要。 首先，本文立足于對(duì)我國(guó)信托公司財(cái)務(wù)風(fēng)險(xiǎn)的研究，總結(jié)和梳理了經(jīng)典的財(cái)務(wù)風(fēng)險(xiǎn)理論模型，分析了金融業(yè)財(cái)務(wù)風(fēng)險(xiǎn)的特點(diǎn)及其主要表現(xiàn)形式，為信托公司財(cái)務(wù)風(fēng)險(xiǎn)的研究奠定了理論基礎(chǔ)； 其次，本文通過(guò)國(guó)內(nèi)外信托行業(yè)的對(duì)比分析，結(jié)合我國(guó)信托業(yè)的實(shí)際狀況，梳理了我國(guó)信托業(yè)的發(fā)展路徑，歸納了我國(guó)信托業(yè)與發(fā)達(dá)國(guó)家成熟信托市場(chǎng)在運(yùn)行機(jī)制、業(yè)務(wù)結(jié)構(gòu)及信托法律法規(guī)上的區(qū)別，并由此辨別可能影響我國(guó)信托公司財(cái)務(wù)風(fēng)險(xiǎn)的因素； 第三，本文在參考經(jīng)典的財(cái)務(wù)風(fēng)險(xiǎn)體系模型的基礎(chǔ)上，結(jié)合我國(guó)信托公司的實(shí)際情況，建立了適合我國(guó)信托公司客觀情況的財(cái)務(wù)風(fēng)險(xiǎn)評(píng)價(jià)指標(biāo)體系，并且利用它對(duì)我國(guó)信托公司的財(cái)務(wù)風(fēng)險(xiǎn)進(jìn)行實(shí)證分析，，得出的結(jié)論認(rèn)為，我國(guó)信托公司財(cái)務(wù)風(fēng)險(xiǎn)取決于公司自有經(jīng)營(yíng)風(fēng)險(xiǎn)及來(lái)自整個(gè)行業(yè)系統(tǒng)風(fēng)險(xiǎn)； 最后，文章利用信托公司財(cái)務(wù)風(fēng)險(xiǎn)的實(shí)證分析結(jié)論，從信托公司及信托行業(yè)兩個(gè)角度提出信托公司的財(cái)務(wù)風(fēng)險(xiǎn)防范策略，以期對(duì)我國(guó)信托業(yè)的健康發(fā)展有一定的實(shí)際參考意義。
[Abstract]:Trust is an important part of China's financial industry. In end of 2012, the total assets under management have surpassed the insurance industry and become the second largest financial entity after the banking industry. Whether the trust industry can be healthy and stable development is very important to our financial industry. Firstly, based on the research on the financial risk of the trust company in China, this paper summarizes and combs the classical financial risk theory model, and analyzes the characteristics and main forms of the financial risk in the financial industry. It lays a theoretical foundation for the research of financial risk of trust company. Secondly, this article through the domestic and foreign trust industry contrast analysis, unifies our country trust industry actual situation, combs our country trust industry the development path. The differences in operation mechanism, business structure and trust laws and regulations between the trust industry of our country and the mature trust market in developed countries are summarized, and the factors that may affect the financial risk of trust companies in our country are identified. Thirdly, based on the classical financial risk system model and the actual situation of the trust company in China, this paper establishes a financial risk evaluation index system suitable for the objective situation of the trust company in our country. And using it to analyze the financial risk of the trust company in our country, the conclusion is that the financial risk of the trust company of our country depends on the risk of the company's own management and the risk from the whole industry system. Finally, the paper puts forward the financial risk prevention strategy of trust company from the perspective of trust company and trust industry by using the empirical analysis conclusion of financial risk of trust company. With a view to the healthy development of trust industry in China has a certain practical reference significance.
【學(xué)位授予單位】：暨南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.49;F830.42

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