我国信托行业转型战略研究
发布时间：2018-09-01 11:38
【摘要】：本文从项目管理视角出发，将信托行业的未来转型战略作为一个系统的、科学的项目管理问题出发，来研究未来一段时期信托行业如何进行战略转型。 2012年对我国信托业而言具有不同寻常的意义：一方面，信托行业一举成为仅次于银行业的第二大金融子行业，信托产品也不断丰富，业务复杂程度升级。另一方面，信托公司风险个案事件的频现再次引起人们对信托业是否会引起系统性风险的探讨。与此同时，证券、基金、保险等行业新政频出，数倍于信托公司数量的资产管理机构高举创新大旗，瓜分资产管理市场。在“内忧外患”之下，信托公司增长模式的可持续性引起了行业的深思。 在此背景下，本文探讨了本研究所具有的理论意义和应用价值，对相关研究进行了总结和阐述。 首先，对不同金融机构资产管理业务进行了比较分析，然后从资产运用及分布状况、自营业务收入水平和自营业务盈利水平等方面分析了我国信托公司资产管理业务的现状，同时分析了国外信托公司（以美国信托公司为例）的业务特点，对两者业务状况进行了比较分析。 然后，通过分析发现我国目前的信托行业业务模式与国外信托公司差别很大，具有独特的特征；我国信托行业面临着两方面的挑战：通道业务逐步萎缩直至消亡，私募投行业务具有波动性，收益不稳定；同时，信托行业也面临着复杂的内外部环境。这些因素决定了信托行业必须做出转型战略选择。 再次，根据信托行业面临的挑战和信托行业回归本源业务的需要，可以预测信托行业未来的三大业务领域主要是私募投行业务、另类资产管理业务和私人财富管理业务，这也是今后信托行业的转型方向和战略选择。 最后，为了更好地配合和实现信托行业的有效转型，信托行业需要做好充分的准备，培育自身的核心能力。对于私募投行业务来说，需要资产获取能力、机构客户销售和服务能力、风险管理能力这三大核心能力；对于另类资产管理业务来说，，需要专业投资能力和投后管理能力这两大核心能力；对于私人财富管理业务来说，需要产品筛选能力和投资咨询能力这两大核心能力。同时，这三大业务还需要组织能力，这是战略方向和组织保障。此外，还需要很好的外部监管环境的支持和配合。
[Abstract]:From the perspective of project management, this paper regards the future transformation strategy of trust industry as a systematic and scientific project management problem. To study how to carry out strategic transformation of the trust industry in the coming period. 2012 is of extraordinary significance to the trust industry in China: on the one hand, the trust industry has become the second largest financial sub-industry after the banking industry. Trust products are also constantly rich, business complexity upgrade. On the other hand, the frequent occurrence of trust company risk cases once again leads people to discuss whether the trust industry will cause systemic risk. At the same time, the securities, funds, insurance and other industries of the new policies, many times the number of trust companies, asset management organizations held high the banner of innovation, partition of the asset management market. Under the circumstance of "internal and external troubles", the sustainability of trust company growth model has aroused the deep thinking of the industry. Under this background, this paper discusses the theoretical significance and application value of this research, and summarizes and expounds the related research. First of all, the paper makes a comparative analysis of asset management business of different financial institutions, and then analyzes the present situation of asset management business of trust companies in China from the aspects of asset utilization and distribution, income level of self-operating business and profit level of self-operating business, etc. At the same time, this paper analyzes the business characteristics of foreign trust companies (taking American trust companies as an example), and makes a comparative analysis of the two business conditions. Then, through the analysis, we find that the business model of trust industry in our country is very different from that of foreign trust companies, and it has its unique characteristics, and the trust industry in our country is facing two challenges: the channel business gradually shrinks until it dies out. Private investment banking is volatile and unstable. At the same time, the trust industry is faced with complex internal and external environment. These factors determine the trust industry must make transition strategy choice. Thirdly, according to the challenges faced by the trust industry and the need for the trust industry to return to its original business, it can be predicted that the three major business areas of the trust industry in the future are mainly private equity investment banking, alternative asset management and private wealth management. This is also the future trust industry transformation direction and strategic choice. Finally, in order to better coordinate and realize the effective transformation of trust industry, trust industry needs to be fully prepared to cultivate its core competence. For private investment banking, the three core competencies are asset acquisition, institutional client sales and service, and risk management; for alternative asset management, It requires two core competencies: professional investment ability and post-investment management ability; for private wealth management business, it needs two core competencies: product screening ability and investment consulting ability. At the same time, these three businesses also need organizational capacity, which is strategic direction and organizational support. In addition, the need for good external regulatory environment support and cooperation.
【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
本文编号：2217084
[Abstract]:From the perspective of project management, this paper regards the future transformation strategy of trust industry as a systematic and scientific project management problem. To study how to carry out strategic transformation of the trust industry in the coming period. 2012 is of extraordinary significance to the trust industry in China: on the one hand, the trust industry has become the second largest financial sub-industry after the banking industry. Trust products are also constantly rich, business complexity upgrade. On the other hand, the frequent occurrence of trust company risk cases once again leads people to discuss whether the trust industry will cause systemic risk. At the same time, the securities, funds, insurance and other industries of the new policies, many times the number of trust companies, asset management organizations held high the banner of innovation, partition of the asset management market. Under the circumstance of "internal and external troubles", the sustainability of trust company growth model has aroused the deep thinking of the industry. Under this background, this paper discusses the theoretical significance and application value of this research, and summarizes and expounds the related research. First of all, the paper makes a comparative analysis of asset management business of different financial institutions, and then analyzes the present situation of asset management business of trust companies in China from the aspects of asset utilization and distribution, income level of self-operating business and profit level of self-operating business, etc. At the same time, this paper analyzes the business characteristics of foreign trust companies (taking American trust companies as an example), and makes a comparative analysis of the two business conditions. Then, through the analysis, we find that the business model of trust industry in our country is very different from that of foreign trust companies, and it has its unique characteristics, and the trust industry in our country is facing two challenges: the channel business gradually shrinks until it dies out. Private investment banking is volatile and unstable. At the same time, the trust industry is faced with complex internal and external environment. These factors determine the trust industry must make transition strategy choice. Thirdly, according to the challenges faced by the trust industry and the need for the trust industry to return to its original business, it can be predicted that the three major business areas of the trust industry in the future are mainly private equity investment banking, alternative asset management and private wealth management. This is also the future trust industry transformation direction and strategic choice. Finally, in order to better coordinate and realize the effective transformation of trust industry, trust industry needs to be fully prepared to cultivate its core competence. For private investment banking, the three core competencies are asset acquisition, institutional client sales and service, and risk management; for alternative asset management, It requires two core competencies: professional investment ability and post-investment management ability; for private wealth management business, it needs two core competencies: product screening ability and investment consulting ability. At the same time, these three businesses also need organizational capacity, which is strategic direction and organizational support. In addition, the need for good external regulatory environment support and cooperation.
【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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