本文選題：金融控股　切入點(diǎn)：信托公司　出處：《蘇州大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：信托業(yè)作為我國(guó)金融體系中不可或缺的四大支柱之一，受到國(guó)內(nèi)相關(guān)學(xué)者的重視，尤其是對(duì)信托公司相應(yīng)的發(fā)展模式以及信托業(yè)在我國(guó)金融行業(yè)內(nèi)的定位更是研究熱點(diǎn)。近年來(lái)，隨著越來(lái)越多的信托公司被不同的金融機(jī)構(gòu)以及金融集團(tuán)所控股，，備受爭(zhēng)議的話題逐步凸顯，即金融控股公司模式下，銀行或者金融集團(tuán)對(duì)信托公司的控股是否可行，是否會(huì)產(chǎn)生良好的協(xié)同效應(yīng)，這在國(guó)內(nèi)業(yè)界尚未形成明確共識(shí)。 本文選取了2009年至2011年間正常經(jīng)營(yíng)的信托公司作為樣本，對(duì)其經(jīng)營(yíng)績(jī)效進(jìn)行分析，同時(shí)進(jìn)一步對(duì)其中金融控股背景下的信托公司進(jìn)行分組分析，對(duì)比其經(jīng)營(yíng)效率并對(duì)影響其效率的因子進(jìn)行討論。在實(shí)證中運(yùn)用描述性統(tǒng)計(jì)、非參數(shù)檢驗(yàn)、DEA數(shù)據(jù)包絡(luò)分析以及受限因變量模型（Tobit回歸）等多種數(shù)理分析方法，對(duì)數(shù)據(jù)進(jìn)行處理及分析。實(shí)證結(jié)果表明，我國(guó)金融控股背景下的信托公司中，純粹金融控股背景的信托公司績(jī)效較好，遠(yuǎn)高于其他控股背景的信托公司，而混合金融控股背景的信托公司績(jī)效不佳，可見(jiàn)其并未發(fā)揮金融機(jī)構(gòu)間的協(xié)同效應(yīng)；在進(jìn)一步的效率分析中發(fā)現(xiàn)，混合金融控股背景的信托公司的經(jīng)營(yíng)效率遠(yuǎn)低于純粹金融控股背景。本文通過(guò)Tobit回歸對(duì)影響金融控股背景的信托公司經(jīng)營(yíng)效率的因子進(jìn)行分析，最終得出信托公司的員工人數(shù)、主動(dòng)管理型信托業(yè)務(wù)占比、集合類與單一類信托比例對(duì)信托公司的經(jīng)營(yíng)效率存在顯著正相關(guān)影響。本文結(jié)合理論分析與實(shí)證結(jié)果兩方面，對(duì)金融控股背景下兩組不同的信托公司績(jī)效差異的原因進(jìn)行了解釋，并對(duì)我國(guó)信托公司未來(lái)的發(fā)展模式以及業(yè)務(wù)拓展方向提出了相應(yīng)的政策建議。
[Abstract]:As one of the four indispensable pillars in China's financial system, the trust industry has attracted the attention of relevant domestic scholars. Especially the research focus on the corresponding development mode of trust companies and the positioning of trust industry in the financial industry of our country. In recent years, with more and more trust companies being controlled by different financial institutions and financial groups, more and more trust companies are controlled by different financial institutions and financial groups. The controversial topic is gradually highlighted, that is, whether the holding of trust companies by banks or financial groups is feasible or not, which has not yet formed a clear consensus in the domestic industry. From 2009 to 2011, this paper selects the trust company as a sample to analyze its business performance, and further analyzes the trust company in the context of financial holding. This paper compares its operating efficiency and discusses the factors that affect its efficiency. In the empirical analysis, it uses several mathematical analysis methods, such as descriptive statistics, non-parametric test DEA data envelopment analysis and restricted dependent variable model (Tobit regression), etc. The empirical results show that the trust companies with pure financial holding background have better performance than those with other holding backgrounds, and the empirical results show that the trust companies with pure financial holding background have better performance than those with other holding backgrounds. However, the performance of trust companies with mixed financial holding background is poor, which shows that they do not play a synergistic effect among financial institutions; in the further analysis of efficiency, it is found that, The operating efficiency of the trust company with mixed financial holding background is much lower than that of pure financial holding background. This paper analyzes the factors affecting the operating efficiency of the trust company with financial holding background by Tobit regression, and finally obtains the number of employees of the trust company. The proportion of active management trust business and the proportion of aggregate type and single type of trust have a significant positive correlation on the operating efficiency of trust companies. This paper explains the reasons for the difference in the performance of the two groups of trust companies under the background of financial holding, and puts forward corresponding policy suggestions on the future development mode and business expansion direction of the trust companies in China.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.49

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