我国信托公司盈利模式研究

发布时间：2018-01-23 17:57

本文关键词： 信托公司业务定位盈利模式　出处：《西北大学》2014年硕士论文　论文类型：学位论文

【摘要】：银行、证券、信托和保险构成金融业四大支柱。在中国,说到金融业的四大支柱,主要是从金融产品供应商的角度说的。然而由于信托行业从成立之初起,就被定位为金融体系中的“拾遗补缺”者,这样的定位必然导致信托公司业务的庞杂性。在这样的背景下,信托公司的业务定位非常不清晰,且历史上经历了一系列重大变化,导致信托公司至今尚未形成稳固的经营模式和盈利模式,而相比之下,银行、保险、证券这三类金融机构的功能定位都是非常清晰的,实践中的业务模式也是稳固和确定的。因此,信托业要想和商业银行、保险公司、证券公司一样,获得规模化发展,必须具有自己专属性的业务领域。2006年12月中国银监会下发《信托投资公司管理办法》和《信托投资公司资金信托业务管理暂行办法》,对信托公司的功能定位和业务方向进行了根本性和颠覆性的改革”在此背景下,我国信托公司如何在日趋激烈的竞争市场中找准位置。确立自己合适的业务定位,使我国信托公司不仅能在激烈竞争中生存下去,并且通过正确的业务定位,实现信托公司持续、稳定、健康经营,增强自身实力和核心竞争力,最终使信托公司能发展成为与银行、保险、证券并驾齐驱的我国四大金融支柱之一,这一课题已经成为我国信托公司当前一个紧迫和必要的热点问题。因此,在这种形势下,研究我国信托公司盈利模式对促进我国信托业的健康、持续、稳定发展具有十分重要的理论意义与实践价值。
[Abstract]:Banking, securities, trust and insurance constitute the four pillars of the financial industry. In China, the four pillars of the financial industry are mainly from the point of view of financial product suppliers. In this context, the business position of the trust company is very unclear, which is regarded as the "pick up of the missing" in the financial system, which will inevitably lead to the complexity of the trust company's business. And has experienced a series of major changes in history, resulting in trust companies have not yet formed a solid business model and profit model, and, by contrast, banks, insurance. The functional orientation of these three financial institutions is very clear, and the business model in practice is firm and certain. Therefore, the trust industry wants to be the same as commercial banks, insurance companies and securities companies. To achieve large-scale development. In December 2006 the CBRC issued the measures for the Administration of Trust and Investment companies and the interim measures for the Administration of Trust and Investment Company of funds of Trust and Investment companies. The fundamental and subversive reform of the function orientation and business direction of the trust company is carried out under this background. How to find the right position in the increasingly fierce competition market and establish its own suitable business positioning, so that the trust company can not only survive in the fierce competition, but also through the correct business positioning. To achieve the trust company sustainable, stable, healthy operation, enhance their own strength and core competitiveness, and ultimately enable the trust company to develop with the banking, insurance, securities and one of the four financial pillars of our country. This subject has become an urgent and necessary hot issue of our trust companies. Therefore, in this situation, the study of the profit model of trust companies in China to promote the health of the trust industry, sustained. The steady development has the very important theory significance and the practice value.
【学位授予单位】：西北大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.39

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