我国银信合作发展问题研究

发布时间：2018-02-04 22:12

本文关键词： 银行银信合作信托公司合作模式　出处：《天津商业大学》2016年硕士论文　论文类型：学位论文

【摘要】：作为与银行、证券、保险一起并称为金融市场四大支柱的信托业,凭借独具特色的制度优势在金融市场中具有巨良好的发展前景。然而随着我国金融改革的不断深入,“泛资管时代”的到来无可避免,银行和信托业都面临着日益激烈的竞争,要想形成新的利润增长点,二者必须加大合作力度。然而在传统意义上的银信合作中,因为缺乏稳定且高效的业务模式,使得二者都未能正确找到自己的市场定位,没能在国民经济中充分发挥各自的能动作用。本文以国内银信合作业务为研究对象,在结合银信合作相关概念及理论的基础上,比较全面的总结了发达国家银信经营的发展历程,归纳了国外进行银信合作的先进经验,为发展我国银信合作业务提供了良好的借鉴。随后系统地分析了我国当前银信合作业务的现状以及主要模式,在指出我国当前银信业务存在的问题后,结合新经济形势的背景以及监管政策,提出了相应的发展建议。本文共分为六部分:第一部分是关于银信合作的研究背景和意义;第二部分是关于银信合作的定义及相关理论的概述;第三部分是我国银信合作的现状分析;第四部分是对银信合作的问题分析;第五部分是国外银信合作历程经验的总结归纳;最后一部分是对进一步推动银信合作的发展提出了自己的建议。本文认为,在“泛资管时代”的大背景下,要进一步推动我国银信合作的发展可以从五个方面着手。一是银信双方树立长期合作的战略思想;二是优化整合现有的信托公司,做大做强;三是积极扩展深层次的业务合作,包括资产证券化业务、债转股、家族信托、遗嘱信托等新业务形式;四是做好灵活审慎监管;五是加大相关专业人才的培养力度。文章有两点创新之处,一是文章具有较强的时效性,在分析当前问题及面临的新形势时,充分考虑了近年出台的监管新政。二是建议将银信合作模式引入银行债转股业务中,由信托公司作为第三方的资产管理公司代替银行行使股权。文章在研究方法上,主要运用了文献综述法以及比较分析法。
[Abstract]:Together with banks, securities and insurance, the trust industry is known as the four pillars of the financial market. With the unique institutional advantages in the financial market has a very good development prospects. However, with the deepening of financial reform in China, the arrival of "pan-capital management era" is inevitable. The banking and trust industry are facing increasingly fierce competition. In order to form a new profit growth point, they must strengthen cooperation. However, in the traditional sense of bank trust cooperation. Because of the lack of a stable and efficient business model, both fail to find their own market positioning correctly. Failed to fully play their active role in the national economy. This paper takes the domestic banking and credit cooperation business as the research object, on the basis of combining the related concepts and theories of the banking and credit cooperation. It summarizes the development course of the banking and credit management in the developed countries, and sums up the advanced experience of the foreign bank and credit cooperation. It provides a good reference for the development of China's banking and credit cooperation business. Then it systematically analyzes the current situation and main modes of our country's bank and letter cooperation business, and then points out the problems existing in our country's current banking and credit cooperation business. According to the background of the new economic situation and the supervision policy, the paper puts forward the corresponding development suggestions. This paper is divided into six parts: the first part is about the background and significance of the research on the cooperation between Bank and Credit; The second part is about the definition of Yinxin cooperation and an overview of relevant theories. The third part is the analysis of the current situation of the cooperation between Bank and Credit in China. Part 4th is the analysis of the problems of Yinxin cooperation; Part 5th is a summary of the experience of foreign bank and credit cooperation; The last part is to further promote the development of bank-letter cooperation put forward their own suggestions. This paper believes that in the "pan-capital management era" under the background. It is necessary to further promote the development of our country's bank-letter cooperation from five aspects: first, the two sides should set up the strategic thought of long-term cooperation; The second is to optimize the integration of existing trust companies, bigger and stronger; The third is to actively expand the deep level of business cooperation, including asset securitization business, debt-equity conversion, family trust, testamentary trust and other new business forms; Fourth, do a good job of flexible prudential supervision; The fifth is to strengthen the training of relevant professionals. There are two innovations in the article. First, the article has a strong timeliness, in the analysis of the current problems and the new situation. Fully consider the new regulatory measures introduced in recent years. The second is the proposal to introduce the bank trust cooperation model into the bank debt-to-equity business. The paper mainly uses the literature review method and comparative analysis method in the research method of using the trust company as the third party asset management company instead of the bank to exercise the equity.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.2

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