我国信托业转型的策略与路径研究

发布时间：2018-03-13 06:07

本文选题：信托　切入点：转型　出处：《天津大学》2014年硕士论文　论文类型：学位论文

【摘要】：自改革开放之初中国信托业就得以恢复，如今三十多年过去，中国已经成为全球第二大经济体，，人均GDP已经追赶至与美国和日本相差四至五倍的水平，国内信托业也迅速扩张，成为仅次于银行的第二大金融支柱产业，但人均信托服务水平仍与美国和日本相差百倍以上。作为具有横跨货币、资本及实业三大市场的信托，在代际财产传承、私人财富管理、公益及社会事务管理等相关领域中，独具天然的制度优势。但我国信托业经过近十年的曲折发展，依然在资金信托相对单一的路径上前行，使得我国财产管理滞后于经济发展的弊端暴露无遗。如何使我国信托业能够更好的服务于社会与经济，为其提供转型策略将是本文的研究重点。本文由此问题出发，首先重新考察过去两百多年间世界信托产业史的历史逻辑，并试图回归理论的理性，概括市场经济条件下信托行为与信托产业运行的基本原理。这些内容的梳理对于回答“信托是什么，为什么会有信托？该如何发展信托？”提供了更加具体的结论与解释。接下来深度剖析国内信托的发展现状，从高速发展中发现困扰整个行业继续前行的难题。除了行业本身有待解决的难题外，来自外部金融机构如券商、基金公司的竞争也对信托业的发展带来不小的影响。面临如此境遇，通过借鉴国外尤其是美国信托业的发展境遇，为调整国内的信托产业发展方向提供了实证基础及启示作用。结合国内信托业遇到的发展问题及国外信托业的优秀经验，本文提出了我国信托业转型的策略及路径。
[Abstract]:China's trust industry has been restored since the beginning of reform and opening up. Now, more than 30 years later, China has become the second largest economy in the world, with per capita GDP catching up to a level four to five times that of the United States and Japan, and the domestic trust industry has also expanded rapidly. It has become the second largest financial pillar industry after banks, but the level of per capita trust services is still more than 100 times higher than that of the United States and Japan. As a trust with three major markets, namely, currency, capital and industry, the trust is passed on from generation to generation. Private wealth management, public welfare, social affairs management and other related fields have unique institutional advantages. However, after nearly ten years of tortuous development, the trust industry of our country is still moving on the relatively single path of capital trust. How to make the trust industry of our country better serve the society and economy, and provide the transformation strategy for it will be the focus of this paper. Starting from this problem, this paper first reexamines the historical logic of the history of the world trust industry in the past 200 years, and tries to return to the rationality of the theory. This paper summarizes the basic principles of trust behavior and the operation of trust industry under the condition of market economy. How can trust be developed? "it provides more concrete conclusions and explanations. Next, we deeply analyze the current situation of domestic trust development, and find out from the rapid development that the whole industry continues to move forward. In addition to the problems that the industry itself needs to solve, The competition of fund companies from outside financial institutions such as securities firms also has a great impact on the development of the trust industry. In the face of such circumstances, we can learn from the development of trust industry abroad, especially in the United States. This paper provides an empirical basis and enlightenments for adjusting the development direction of domestic trust industry. Combined with the problems encountered in the development of domestic trust industry and the excellent experience of foreign trust industry, this paper puts forward the strategies and paths for the transformation of trust industry in our country.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49

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