我国信托市场的经营模式与风险防范研究

发布时间：2018-05-14 07:24

本文选题：信托 + 经营模式　；参考：《吉林大学》2014年硕士论文

【摘要】：信托是指委托人基于对受托人的信任，将其财产权委托给受托人，由受托人按委托人的意愿以自己的名义，为受益人的利益或者特定目的，进行管理或者处分的行为。信托的种类可以分为民事信托、投资信托和公益信托等。信托具有财产管理、基金投资、社会公益，以及投资银行业务和中介业务等功能。我国的信托业务于1979年随着改革开放而恢复开展，最初是作为政策工具开始经营，至今仍未走上正常发展的道路。本文共分六章。第一章是引言部分，主要阐明了本文的选题背景和研究意义、中外文献综述以及文章力图实现的创新。第二章是关于信托以及信托业风险的一些基础理论。主要包括信托业发展历史上各国对其所下的定义以及我国《信托法》中信托的概念；信托的基本功能特点；信托的种类等。此外，从内外部两个角度分析了我国信托市场及其信托机构所面临的风险。第三章阐述了我国信托市场在经历了数次大规模整顿后的发展现状，进而利用SWOT分析，从优势、劣势、机会、威胁四个维度分析了我国信托市场及信托公司的外部环境。此外，本章还列举了我国信托机构目前主要的四种经营模式。第四章是本文的核心内容，，主要阐述了我国信托市场现存的各种风险，并列举了海南信托公司从辉煌到纷纷破产倒闭这一具体案例，进而提出了我国信托业风险防范的必要性。最后，从内部控制和外部监管两个角度提出了针对我国信托市场风险防范的有效机制。第五章列举了英、美、日三个信托市场发达国家的信托业发展历程，既有值得借鉴的先进经验，又有应该避免的失败教训。进而将英美日三国与我国的信托市场进行比较，得出了有助于我国信托业发展的三点启示。第六章是本文的关键，是在前五章的基础上，创新性地从宏观、中观、微观三个维度提出了有助于我国信托市场风险防范和健康有序发展的几点对策和建议。我国将信托与银行、证券、保险并称为金融行业的四大支柱。如今，银行仍是老牌劲旅，证券和保险也迎头赶上，成为了后起之秀。而我国的信托业仍在摸着石头过河，没能起到名副其实的作用。我国政府相关部门应及时完善信托市场的相关法律法规，强化信息披露，首先为信托业的发展营造一个健康有序的外部环境；其次，我国的信托行业也应意识到社会经济高速发展这一重要历史机遇，发挥自身链接虚拟经济和实体经济的独特优势，着眼长远发展，注重人才培养，通过积极努力的营销，扩大信托资产规模，平衡地区发展差异，宣传信托理财的观念；最后，信托机构应充分意识到目前所面临的威胁和挑战，并积极应对。完善信托公司的内部治理结构，令其适合市场经济发展的需要，此外强化自身风险管理体系的完善和风险管理技术的提高。只有政府、信托行业和信托公司共同努力，各司其职，我国的信托业才能有更加长远的发展。
[Abstract]:Trust is the act of managing or disposing of the trustee, based on the trust of the trustee, by entrusting its property to the trustee, by the trustee, in its own name, for the benefit of the beneficiary, or for a specific purpose by the trustee. The types of trust can be divided into civil trust, investment trust and public trust, etc. the trust has property. Management, fund investment, social welfare, investment banking and intermediary business.
The trust business of our country resumed in 1979 with the reform and opening up. At the beginning, it began to operate as a policy tool, and has not yet embarked on the road of normal development.
This article is divided into six chapters. The first chapter is the introduction, which mainly explains the background and significance of the study, the literature review at home and abroad, and the innovation that the article is trying to achieve.
The second chapter is some basic theories about trust and trust industry risk, including the definition of the trust industry in the history of the trust industry and the concept of trust in the trust law in China; the basic function and characteristics of the trust; the types of trust. In addition, the trust market and its trust institutions in China are analyzed from the two angles of the internal and external angles. The risks faced.
The third chapter expounds the development status of China's trust market after several large-scale rectifying, and then uses SWOT analysis to analyze the external environment of our trust market and trust companies from four dimensions of advantages, disadvantages, opportunities and threats. In addition, this chapter also enumerates the four main operating modes of our trust institutions.
The fourth chapter is the core content of this article, mainly expounds the existing risks in the trust market of our country, and enumerates the specific case of the Hainan trust company from brilliance to bankruptcy and bankruptcy, and then puts forward the necessity of risk prevention in the trust industry of our country. Finally, from the two angles of internal control and external supervision, it puts forward the trust of our country. The effective mechanism of market risk prevention.
The fifth chapter enumerates the development course of the trust industry in the three developed countries of the trust market in Britain, America and Japan. It has both advanced experience and lessons that should be avoided, and then compares the trust market between the three countries and the United States and Japan, and draws three points of enlightenment for the development of our trust industry.
The sixth chapter is the key of this article. On the basis of the first five chapters, we put forward some countermeasures and suggestions to help our trust market risk prevention and healthy and orderly development from the three dimensions of macro, medium and micro.
In China, trust, bank, securities and insurance are the four pillars of the financial industry. Now, the bank is still the old brand, and the securities and insurance also catch up. And the trust industry in our country is still feeling the stone crossing the river. The relevant government departments of our country should improve the trust market in a timely manner. To close the laws and regulations, strengthen the information disclosure, first of all, create a healthy and orderly external environment for the development of the trust industry. Secondly, the trust industry in our country should also realize the important historical opportunity of the rapid development of the society and economy, give full play to the unique advantages of the virtual economy and the real economy, and pay attention to the long-term development, and pay attention to the training of talents. In the end, the trust institutions should fully realize the threats and challenges faced by the trust companies and actively respond to the internal governance structure of the trust companies to meet the needs of the market economy and strengthen their own risk management. The improvement of the system and the improvement of the risk management technology. Only the government, the trust industry and the trust companies work together to work each other, and the trust industry in our country can have a more long-term development.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49

【参考文献】