四川信托有限公司重组后的风险管理体系研究

发布时间：2018-01-11 12:12

本文关键词：四川信托有限公司重组后的风险管理体系研究　出处：《电子科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：作为金融业四大支柱之一的信托行业,在我国近30年的发展历程中,经历了五次清理整顿。其中,1982、1985、1988和1993年进行的四次清理整顿,实行了严格的银行业与信托业的分业经营与管理。1999年2月开始的第五次清理整顿,旨在改变当时信托业机构太多、无序发展的局面。四川信托有限公司正是在这样的背景下,由四川省信托公司、四川省建设信托公司历经十余年的重组,并与省内外多家战略投资者反复谈判、协调,最终妥善处置了全部债务和所有者权益,引入了战略投资者,并于2010年1月6日获中国银监会批准正式筹建的信托有限公司。信托公司作为金融机构,风险与收益的管理是信托公司的核心竞争力。信托公司的核心竞争力在于通过承担和化解风险,从风险中获取利润。因此,本论文以信托机构的风险为主线,在吸收运用西方的风险管理理论、信托理论和已有的相关研究成果的基础上,以重组后的四川信托有限公司为研究对象,分析其风险管理现状,探讨了信托机构风险管理的有效模式和政策措施。论文的主要研究内容如下:首先,阐述论文的选题背景和国内外信托行业的风险分析与管理现状。其次,结合我国信托行业历次整顿情况和背景,及其最新的信托政策宏观背景,总结和分析了四川信托限公司的重组背景、重组过程。然后,根据重组后的信托公司应该在“受人之托、代人理财”业务的本源上,考虑业务规划的竞争与合作、创新与重构的发展思路,分析了其风险管理现状及其暴露出来的主要问题。最后,对如何建立有效的风险管理控制体系和流程,提出了相应的对策建议:(1)确定风险管理控制的总体目标。(2)建立信托公司风险管理控制体系;(3)要全面实施风险管理控制组织结构控制;(4)在开展各类信托业务过程中,坚持合法合规原则、流程操作原则、科学评估原则、集体决策原则以及监控反馈原则等。本论文针对四川信托有限公司重组后的风险管理现状进行分析,有助于促进四川信托有限公司的健康发展。
[Abstract]:As one of the four pillars of the financial trust industry, in nearly 30 years of development in China, has experienced five rectification. Among them, four rectification in 198219851988 and 1993 for the implementation of the banking and trust industry strictly separate management fifth rectification and management started.1999 in February at that time, to change the trust industry too many agencies, disorderly development of the situation. The Sichuan Trust Company Limited is in this background, from Sichuan Province, Sichuan province construction trust company, trust company after more than ten years of restructuring, and inside and outside the province a number of strategic investors repeated negotiations, the final coordination, proper disposal of all debts and the rights and interests of the owners, the introduction of strategic investors, and won the approval of the CBRC Chinese formally build Trust Co. Ltd. in January 6, 2010. The trust company as a financial institution, the risks and benefits of the management of public trust The core competitiveness of the company. The trust company is the core competitiveness by taking risks, profit from the risk. Therefore, the risks of trust institutions as the main line, in the absorption of the use of risk management theory in the west, relevant research results of trust theory and existing on the reorganization of the Sichuan trust Company Limited as the research object, analyzes the status of risk management, discusses the effective mode and policies and measures of risk management trust. The main contents of this dissertation are as follows: firstly, the present situation of the risk analysis and management described the research background and the domestic and foreign trust industry. Secondly, combined with our previous trust industry to rectify the situation and background, and trust the latest policy background, summarizes and analyzes the restructuring background, Sichuan trust company restructuring process. Then, according to the trust after the reorganization of the company should be in the " The generation of financial support, business source, considering the competition and cooperation in business planning, development innovation and reconstruction, and analyzes the main problems of risk management and exposed. Finally, on how to establish the risk management control system and process, put forward the corresponding countermeasures and suggestions: (1) to determine the overall goal of risk management control. (2) the establishment of risk management system to control the trust company; (3) to the full implementation of risk management control structure control; (4) in the process of carrying out all kinds of trust business, adhere to the principle of legal compliance, operation principle, evaluation principle, the principle of collective decision and monitoring feedback the principle. Aiming at the Sichuan Trust Company Limited after the reorganization of the risk management analysis of the status quo, helps to promote the healthy development of Sichuan Trust Company Limited.

【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49;F272.3

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