湖南信托公司JB棚户区改造融资项目风险控制研究

发布时间：2018-03-16 09:34

本文选题：信托融资项目　切入点：风险管理　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：信托业整体发展较快,信托资产规模庞大,受经济下行影响,信托融资项目风险事件持续增长,传统的以债权运用为主、项目融资型的融资类信托业务已经成为风险项目的重灾区。在政策方面,《信托子公司管理办法》、《信托公司尽职调查指引》等监管制度将逐步完善;同时,净资本管理办法、监管评级、信托公司行业评级等管理办法将逐步落实,信托行业在不断规范,但单凭外部监管并不足以有效控制信托融资项目风险,因此,本文试图剖析信托融资项目风险管理特征,从风险管理角度为信托融资项目风险防范提供应对措施。本文据此对湖南信托公司JB棚户区改造融资项目风险进行了研究与分析。首先,阐述国内外风险管理理论研究现状,并界定了项目风险管理相关概念。其次,根据风险管理理论与项目具体特征,识别与构建了融资项目风险清单,即从宏观风险、信用风险、操作风险及管理主体风险四个层面对本文研究项目进行了风险识别工作,在此基础上,构建了本融资项目的风险识别清单。针对风险识别清单,本文采用“头脑风暴法—调查问卷法”对风险因子发生的可能性及影响程度进行定量分析与评估,进而得出项目风险等级较高的风险因子。最后,本文针对风险等级较的风险因子制定了相应的风险控制措施,进而为信托融资项目的风险管理研究与实践提供参考依据。本文的创新之处:一是综合性分析信托融资项目风险管理体系,追加了信托管理主体风险管理研究;二是采用定性与定量的方式对风险因子进行定量评估,为后文制定风险控制措施提供了科学的决策依据。本文的不足之处:本文研究是单个信托融资项目风险管理与控制,研究流程与风险分析与评估具有针对性,加上信托融资项目具有交易结构复杂性和风险不确定性,因此,本文提出的风险控制措施也必然存在应用的局限性。
[Abstract]:The trust industry as a whole has developed rapidly, the scale of trust assets is huge and affected by the downward economic decline. The risk events of trust financing projects have continued to grow, and the traditional use of creditor's rights is the main factor. The project financing type of trust business has become a serious disaster area for risk projects. In terms of policy, the supervision system, such as the Trust subsidiary Management measures and the Trust Company due diligence guidelines, will be gradually improved. At the same time, the net capital management measures will be improved. Regulatory ratings, trust company industry ratings and other management measures will be gradually implemented, the trust industry is constantly regulating, but external supervision alone is not enough to effectively control trust financing project risk, therefore, This paper attempts to analyze the risk management characteristics of trust financing projects. From the angle of risk management, this paper studies and analyzes the risk of JB shantytown reconstruction financing project of Hunan Trust Company. Firstly, it expounds the present situation of risk management theory research at home and abroad. Secondly, according to the theory of risk management and the specific characteristics of the project, the risk list of financing projects is identified and constructed, that is, from the macro risk, credit risk, On the basis of the risk identification work of the research project in this paper, the risk identification list of the financing project is constructed, which is aimed at the risk identification list. In this paper, the possibility and influence degree of risk factors are quantitatively analyzed and evaluated by "brainstorming and questionnaire method", and the higher risk factors are obtained. In this paper, the corresponding risk control measures are made for the risk factors of risk grade. The innovations of this paper are as follows: 1. Comprehensive analysis of the risk management system of trust financing projects, adding the research on risk management of the subject of trust management; The second is the quantitative evaluation of risk factors by qualitative and quantitative methods, which provides a scientific decision basis for the later formulation of risk control measures. The shortcomings of this paper are: the risk management and control of a single trust financing project. The research process and risk analysis and evaluation have pertinence, and the trust financing project has the complexity of transaction structure and the uncertainty of risk. Therefore, the risk control measures proposed in this paper must also have the limitation of application.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39;F299.27

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