方正东亚信托风险控制案例分析

发布时间：2018-04-07 16:28

本文选题：房地产信托　切入点：信托风险　出处：《华中科技大学》2014年硕士论文

【摘要】：在改革开放这三十年里经历了起起伏伏的我国信托业才逐步走向健康规范发展的轨道，与商行、保险、证券并称为我国经济发展的四大金融支柱。近几年我国信托业的快速发展对我国国民经济的健康有序发展起到了积极推动作用，尤其对国家基础设施建设行业和房地产行业起到极大的助推作用。但由于其存在时间相对较短，监管部门对该行业的监管尚不全面，而信托公司自身在风险管理与控制思想理念和技术手段等方面仍与其他的金融机构有相当的差距。本文结合国内外信托风控研究和我国信托业近三十年的发展现状，对我国信托行业的风险控制的相关原理进行分析研究，分析和总结了我国信托公司针对外部风险、流动性风险、治理风险等各类风险如何进行风险控制。并具体通过风险分类控制、尽职调查控制、风险制度、体系建立控制等具体措施对信托风险进行控制。最终结合方正东亚信托有限责任公司房地产信托计划的风险控制的实际案例进行案例分析，通过对该案例中各类风险运用诸如财务数据分析、宏观环境分析、未来现金流预测、压力测试等手段进行合理分析与预测，充分暴露其存在的风险，然后针对各类风险提出风控措施与实施手段来规避风险。本文通过以上内容的分析，系统的阐述了信托风险控制相关原理和具体实施方法、技术。并将此原理、方法运用到方正东亚信托公司信托案例的实际风险问题处置中。运用不同风险控制措施对于不同风险进行分类防控，，从而建立全面风险管理体系。这对于未来我国信托公司风险控制的发展具有重大的意义。
[Abstract]:During the three decades of reform and opening up, the trust industry of our country has gone through ups and downs gradually towards the track of healthy and standardized development, together with commercial firms, insurance and securities, which are known as the four financial pillars of the economic development of our country.In recent years, the rapid development of trust industry in China has played a positive role in promoting the healthy and orderly development of our national economy, especially to the national infrastructure construction industry and the real estate industry.However, because of its relatively short period of existence, the supervision of the industry is not comprehensive, and the trust company itself still has a considerable gap with other financial institutions in the ideas and technical means of risk management and control.Based on the research of trust risk control at home and abroad and the development of trust industry in China for nearly 30 years, this paper analyzes and studies the related principles of risk control in trust industry of our country, and analyzes and summarizes the external risks of trust companies in our country.Liquidity risk, governance risk and other risks how to carry out risk control.The trust risk is controlled by classified risk control, due diligence control, risk system control, system establishment control and so on.Finally, combining with the actual case of real estate trust plan risk control of Fang Zheng East Asia Trust Limited Company, through the use of various kinds of risks in this case, such as financial data analysis, macro environment analysis, future cash flow forecast,By means of stress test and other means, reasonable analysis and prediction are carried out to fully expose the existing risks, and then risk control measures and implementation measures are put forward to avoid the risks.Through the analysis of the above contents, this paper systematically expounds the related principles, concrete implementation methods and techniques of trust risk control.The principle and method are applied to deal with the actual risk in the trust case of Fang Zheng East Asia Trust Company.Different risk control measures are used to prevent and control different risks, so as to establish a comprehensive risk management system.This is of great significance to the future development of risk control of trust companies in China.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49

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