从商业银行转型升级之路论信托业转型升级对策

发布时间：2018-04-28 13:20

本文选题：信托 + 机遇与挑战　；参考：《吉林金融研究》2015年11期

【摘要】：随着经济下行压力陡增,泛资管时代竞争加剧,利率市场化的不断推进,互联网金融的快速发展,信托业传统的依靠制度红利形成的优势正在丧失,盈利空间不断收窄,发展进入瓶颈期,信托业没有商业银行的网络布局优势,其出路何在成为中国金融理论与实践工作者争于寻找的答案。客观分析,当前对我国信托业而言,机遇与挑战并存,一方面有利于信托发挥资产隔离天然优势,借助互联网实现发展转型,另一方面,信托发展又面临更大的信用风险、利率风险、经营风险和法律法规风险。我国商业银行转型升级问题由来已久,在长期探索过程中,积累了丰富的经验。因此,信托业的出路是借鉴商业银行转型升级成功经验,结合自身特点,加快转型升级步伐,积极打造成以品牌为基础、客户为中心的专业财富管理机构,大力开展投行、资产证券化和家族信托等创新型业务,加强品牌、人才建设,实现自身转型升级。
[Abstract]:With the sharp increase of the downward pressure of economy, the intensification of competition in the era of pan-capital management, the unceasing promotion of marketization of interest rate, the rapid development of Internet finance, the advantage of traditional trust industry formed by institutional dividend is being lost, and the profit space is becoming narrower and narrower. In the bottleneck period of development, the trust industry does not have the advantage of network layout of commercial banks. Objective analysis shows that there are both opportunities and challenges for the trust industry in our country at present. On the one hand, it is advantageous for the trust to exert its natural advantage of asset isolation and realize the development transition with the help of the Internet. On the other hand, the trust development is faced with greater credit risk. Interest rate risk, operating risk and laws and regulations risk. China's commercial banks have a long history of transformation and upgrading, and have accumulated rich experience in the long-term exploration process. Therefore, the way out for the trust industry is to learn from the successful experience of commercial banks' transformation and upgrading, combine their own characteristics, accelerate the pace of transformation and upgrading, actively create a professional wealth management institution based on brands and customers, and vigorously develop investment banks. Asset securitization and family trust, such as innovative business, strengthening brand, talent building, to achieve their own transformation and upgrading.
【作者单位】：中泰信托有限责任公司研究发展中心;紫金财富互联网金融研究院;
【分类号】：F832.33;F832.49

【二级参考文献】