关于构建我国信托业风险管理体系研究

发布时间：2018-06-01 02:56

本文选题：信托业 + 风险管理　；参考：《吉林财经大学》2014年硕士论文

【摘要】：信托是一种以信任为基础、财产为中心、委托为方式的财产管理制度，现代信托运作极其灵活，集财产管理、资金融通和社会公益等功能为一体，在现代金融体系中占有重要地位。我国信托业经历六次清理整顿后发展迅猛，已成为继银行业以外的第二大金融支柱，信托资产规模在2013年末达到11万亿元，连续5年资产增长率在50%左右。在迅速发展的同时，一些问题也凸显出来，特别是在风险控制上潜伏诸多隐患，信托业能否健康、稳定发展已然成为影响国家金融安全和经济稳定发展的重要因素。对信托业风险管理的研究更加具有紧迫性和现实性。我国信托业近年来的快速发展得益于信托业具有同时跨越货币市场、资本市场和产业市场经营的特点，但这一特点也决定了信托业容易形成风险积聚。虽然近年来我国着力加强信托业法律制度建设，“一法三规”的颁布为信托业构建了法律体系的基本框架和较成熟的监管环境，但是整体风险管理仍然落后于信托业的快速发展，表现为制度体系不健全，，监管缺位、行业自律缺乏等一系列问题。美、日、英等发达国家在信托业发展中的经验告诉我们，信托业的风险管理需要政府监管、社会监督、行业自律、信托公司内部控制等多方面的结合才能达到好的效果，才能避免在监管缺位、制度存在漏洞的情况下，信托业畸形发展。本文首先分析我国信托业存在的风险问题，从行业系统性风险、信托产品风险、信托公司内部经营风险三方面入手，结合近年爆发的信托风险事件对信托业风险进行归纳分析，找寻在风险事件中频发的风险点及风险成因，对建立我国风险管理模式有着实质性的意义。其次对我国信托业风险管理现状进行分析，分析我国信托业风险管理体系现行模式，分析我国信托业风险管理体系中存在的不足及漏洞。再次通过美、英、日三国信托业风险管理情况，提炼信托业发达国家管理经验，为我国信托业风险管理体系的建设提供重要的借鉴意义。最后从法制体系的建设、外部市场环境的健全、信托行业的自律、信托公司内部控制能力的提升、政府监管方式的提升等方面构建我国信托业风险管理体系，对我国信托业发展提供多方面支撑，确保信托业发展规模的前提下行业向纵深发展。
[Abstract]:Trust is a kind of property management system based on trust, property as the center and entrustment as the mode. The modern trust operation is extremely flexible and integrates the functions of property management, fund financing and social welfare. It plays an important role in the modern financial system. The trust industry in China has developed rapidly after six clean-up and rectification, and has become the second largest financial pillar after the banking industry. The scale of trust assets reached 11 trillion yuan at the end of 2013, and the growth rate of trust assets for 5 consecutive years was about 50%. At the same time, some problems are also highlighted, especially in the risk control potential many hidden dangers, trust industry health, stable development has become an important factor affecting the national financial security and economic stability. The research on risk management of trust industry is more urgent and realistic. The rapid development of the trust industry in China in recent years has benefited from the fact that the trust industry has the characteristics of crossing the money market, the capital market and the industrial market at the same time, but this characteristic also determines that the trust industry is easy to form the risk accumulation. Although in recent years China has made great efforts to strengthen the legal system construction of the trust industry, the promulgation of the "one Law and three rules" has established the basic framework of the legal system and a more mature regulatory environment for the trust industry. However, the overall risk management still lags behind the rapid development of the trust industry, which shows a series of problems, such as the imperfect system, the absence of supervision, the lack of self-discipline of the industry, and so on. The experience of the United States, Japan, Britain and other developed countries in the development of the trust industry tells us that the risk management of the trust industry requires a combination of government supervision, social supervision, industry self-discipline, internal control of trust companies, and so on, in order to achieve good results. In order to avoid in the absence of supervision, system loopholes, trust industry malformation development. This paper first analyzes the risk problems existing in the trust industry of our country, starting with the systemic risk of the industry, the risk of the trust product, the risk of the internal management of the trust company, and the inductive analysis of the risk of the trust industry combined with the occurrence of the trust risk events in recent years. It is of great significance to find out the risk point and the cause of the risk in the risk event, which is of great significance to the establishment of the risk management model in our country. Secondly, the paper analyzes the current situation of the risk management of trust industry in China, analyzes the current mode of risk management system of trust industry in China, and analyzes the shortcomings and loopholes in the risk management system of trust industry in China. Thirdly, through the situation of risk management of trust industry in America, Britain and Japan, the management experience of developed countries in trust industry is refined, which provides an important reference for the construction of risk management system of trust industry in our country. Finally, from the legal system construction, the external market environment perfect, the trust profession self-discipline, the trust company internal control ability enhancement, the government supervision way promotion and so on aspects constructs our country trust industry risk management system. It provides various support for the development of trust industry in China and ensures the development of trust industry in depth under the premise of the development scale of trust industry.
【学位授予单位】：吉林财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.49

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