日本信托业发展及其启示研究

发布时间：2019-05-29 07:33

【摘要】：日本信托制度虽引自美国，但在发展过程中与国内经济与金融相配合，灵活的运用制度与方式，不断地扩充规模与效益，发展成为日本金融体系的支柱，并有其独特的作用。在日本，，信托业目前不是单独存在，而是作为信托银行、与其他银行、证券和保险享有同等的待遇与发展契机，因为信托银行享有的制度与政策的优势，因此在日本金融业中处于一种优势地位，日本信托业在日本经济发展中的作用也非常明显。中国目前经济发展强烈的需求健康的金融组织与健全的金融体系，而中国信托业的发展起步晚，相关的制度配套不完善，与目前的中国的金融需求差距甚远。本研究就是在这样的历史背景及前提下，选择了日本信托业的发展历程、发展模式、信托发展对金融及经济发展的作用作为研究对象。本文对日本信托自引入以来发展的历程、日本信托发展的模式进行系统论述、并揭示日本信托在国民经济中与金融、经济之间的关系及其在推进日本信托发展的历史作用。日本信托最近几十年来的发展时期渗透到国民经济的各个部门，本文将日本信托的发展至于日本经济发展的几个阶段背景下予以考察，从分析来看，没有日本经济的蓬勃发展就没有日本信托的今天，日本的信托业通过优化金融的资源配置，改变资本市场和货币市场结构对经济发展起到积极作用。在这种情况下，本文梳理了目前理论界对信托的研究现状及信托的起源及业务行为，并以金融发展理论为基础，认为金融信托发展理论是金融发展理论的重要组成部分，金融信托与经济发展相辅相成主要研究日本信托业发展的历程、发展模式及其对金融、经济发展的作用,以实证模型分析的方法分析了日本信托与经济发展之间的联动性，日本信托的发展模式与发展水平，是有益于日本经济发展的。不断完善的信托制度是日本信托业发展的基础，而且信托业不断繁荣是日本经济发展在技术进步和资本劳动因素之外的重要动力。信托的发展带动了生产资料的优化配置，使得资本与劳动力的生产效率进一步提高。在分析日本信托发展积极方面的同时理清日本信托业发展过程中的障碍及消极作用，分析日本信托业健康发展，并发挥推动经济发展作用的原因；进而在此基础上，提出实现中国信托业迅速发展的政策建议，从日本信托发展中得到启示避免弯路。宏观经济环境的变化，以及金融监管、创新和改革的变迁不仅是近年来日本信托业蓬勃发展，形成文中发展模式的主要推动力，而且也是影响信托业未来走向的决定性因素。和日本类似，中国信托业的发展变化也是和中国宏观经济环境以及金融自由化改革这两个关键词紧密联系在一起的。因此，我们应该可以通过回顾日本的经验，找到中国信托业现在面临的潜在风险，窥探出未来的发展方向。
[Abstract]:Although the Japanese trust system is introduced from the United States, it cooperates with the domestic economy and finance in the process of development, flexibly uses the system and way, constantly expands the scale and benefit, develops into the pillar of the Japanese financial system, and has its unique function. In Japan, the trust industry does not exist alone at present, but as a trust bank, it enjoys the same treatment and development opportunities as other banks, securities and insurance, because of the advantages of the system and policies enjoyed by trust banks. Therefore, it is in a dominant position in the Japanese financial industry, and the role of the Japanese trust industry in the economic development of Japan is also very obvious. At present, China's economic development has a strong demand for healthy financial organizations and a sound financial system, but the development of China's trust industry started late, the relevant systems are not perfect, and there is a long way to go with the current financial demand in China. Under such a historical background and premise, this study chooses the development process, development model and the role of trust development on financial and economic development as the research object. This paper systematically discusses the course of the development of Japanese trust and the mode of Japanese trust development since its introduction, and reveals the relationship between Japanese trust and finance and economy in the national economy and its historical role in promoting the development of Japanese trust. The development period of Japanese trust in recent decades has penetrated into various departments of the national economy. This paper examines the development of Japanese trust as to several stages of Japanese economic development, from an analysis point of view. Without the vigorous development of Japanese economy, there can be no Japanese trust. Japan's trust industry plays a positive role in economic development by optimizing the allocation of financial resources and changing the structure of capital market and money market. In this case, this paper combs the current research status of trust and the origin and business behavior of trust in the theoretical circle, and based on the theory of financial development, holds that the theory of financial trust development is an important part of the theory of financial development. Financial trust and economic development complement each other. This paper mainly studies the course and development model of Japanese trust industry and its role in financial and economic development, and analyzes the relationship between Japanese trust and economic development by means of empirical model analysis. The development model and level of Japanese trust is beneficial to the development of Japanese economy. The continuous improvement of trust system is the basis of the development of Japanese trust industry, and the continuous prosperity of trust industry is an important driving force for Japan's economic development in addition to technological progress and capital labor factors. The development of trust leads to the optimal allocation of means of production and further improves the production efficiency of capital and labor force. While analyzing the positive aspects of the development of Japanese trust, this paper clarifies the obstacles and negative effects in the process of the development of Japanese trust industry, analyzes the reasons for the healthy development of Japanese trust industry and plays an important role in promoting economic development. On this basis, this paper puts forward some policy suggestions to realize the rapid development of China's trust industry, and obtains enlightenment from the development of Japanese trust to avoid detours. The change of macroeconomic environment, as well as the changes of financial supervision, innovation and reform, are not only the main driving force for the vigorous development of Japanese trust industry in recent years and the formation of the development model in this paper, but also the decisive factor affecting the future trend of trust industry. Similar to Japan, the development and change of China's trust industry is closely linked to the two keywords of China's macroeconomic environment and financial liberalization reform. Therefore, we should be able to look back on the experience of Japan, find out the potential risks faced by China's trust industry, and explore the future direction of development.
【学位授予单位】：吉林大学
【学位级别】：博士
【学位授予年份】：2013
【分类号】：F833.13

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