我国银信合作问题研究—信托公司的视角

发布时间：2018-02-09 18:34

本文关键词： 信托公司商业银行合作发展对策　出处：《南京大学》2012年硕士论文　论文类型：学位论文

【摘要】：在2009年、2010年我国天量货币投放、商业银行扩大信贷政策的背景下,银行借助信托通道将表内资产转移至表外,为扩大信贷规模提供了一条重要的通道,对减弱金融危机对我国经济产生的冲击起到了积极有效的作用。但是在2011年货币政策由适度宽松转向稳健的情况下,这种做法在削弱国家宏观调控效果的同时,本身也蕴含着较大的经营及合规风险。在双方合作的过程中,还存在信托公司较弱势、产品结构单一等问题。在金融业综合经营及金融危机的双重背景下,商业银行与信托公司是否应该合作,以及采取什么方式合作,是一个很有实践意义的、值得探讨的问题。本文在金融业综合经营的相关理论基础上,重点从信托公司的角度,讨论了信托公司及商业银行的职能。同时搜集整理了国外信托公司发展及与商业银行合作的历程,为我国的信托业开展银信合作提供了有益借鉴,并在系统分析我国银信合作的现状后,提出了相应的发展对策与建议。本文主要分为四部分：第一部分介绍了银信合作的相关理论及意义；第二部分通过对美、日、德三个国家银信混业经营状况及各自特点的分析,得出对发展中国银信合作的有益启示；第三部分分析了中国银信合作的现状、信托公司所面临的困境以及现行的监管政策；第四部分提出了发展中国银信合作的目标及总体思路,并提出相应的具体建议。本文认为：对于信托公司与商业银行的合作问题,应该在正视其必然性及合理性的前提下进行规范,宜疏不宜堵。虽然有人士倡导信托业应朝着政治价值、经济价值和社会价值“三位一体”的方向发展,监管方也出台政策限制信托的“通道”类业务。但是,信托业的资产分割管理功能正是其在现代商业中的兴盛的原因之一,信托业的发展注定是走商业化的道路,并且是以自身的利益最大化作为其经济价值的源动力。信托公司与商业银行的合作应在正确的市场定位下,遵循稳步推进的原则,探索符合我国国情的发展模式。具体措施上,应构建均衡性银信合作框架、强化信托公司合作地位；加强信托业基础制度建设；大力开发金融产品,提高银信合作产品的附加值和竞争力。
[Abstract]:In 2009, 2010, when China put money into the world, commercial banks expanded their credit policy, and with the help of trust channels, banks transferred assets in the balance sheet to off-balance sheet, which provided an important channel for expanding the scale of credit. It has played a positive and effective role in mitigating the impact of the financial crisis on China's economy. However, in 2011, when monetary policy changed from moderately loose to sound, this approach weakened the effect of the state's macro-control at the same time. In the process of cooperation between the two sides, there are still some problems, such as weak trust companies, single product structure, etc. Under the dual background of comprehensive management of financial industry and financial crisis, Whether or not commercial banks and trust companies should cooperate, and how to cooperate, is a practical and worth discussing issue. On the basis of the theory of comprehensive management of financial industry, this paper discusses the functions of trust companies and commercial banks from the perspective of trust companies. At the same time, it collects and collates the history of the development of foreign trust companies and their cooperation with commercial banks. It provides a useful reference for the trust industry of our country to carry out the cooperation of the bank and letter, and after systematically analyzing the present situation of the cooperation of the bank and letter in our country, puts forward the corresponding development countermeasure and suggestion. This paper is divided into four parts: the first part introduces the theory and significance of Yinxin cooperation, the second part through the analysis of the three countries, the United States, Japan, Germany and the characteristics of the mixed banking and credit industry. The third part analyzes the current situation of China's bank and credit cooperation, the difficulties faced by trust companies and the current regulatory policies. Part 4th puts forward the goal and the general idea of developing the cooperation between Bank and Credit of China, and puts forward the corresponding concrete suggestions. This paper holds that the cooperation between trust companies and commercial banks should be regulated on the premise of facing up to its inevitability and rationality. With the development of "trinity" of economic value and social value, regulators have also issued policies to restrict the "channel" business of trust. However, the function of asset division and management in trust industry is one of the reasons for its prosperity in modern business. The development of trust industry is destined to follow the road of commercialization and take the maximization of its own interests as the source power of its economic value. The cooperation between trust companies and commercial banks should follow the principle of steady progress under the correct market orientation. We should establish a balanced cooperation framework of bank and credit, strengthen the cooperative status of trust companies, strengthen the basic system construction of trust industry, and vigorously develop financial products. Improve the added value and competitiveness of Yinxin cooperation products.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33;F832.39

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