联系我们

论文查询结果	返回搜索

论文编号：	13227
作者编号：	2320190646
上传时间：	2022/6/8 13:36:54
中文题目：	AB信托公司净资本管理研究
英文题目：	Research on Net Capital Management of AB Trust Company
指导老师：	王曼舒
中文关键字：	净资本管理;信托公司;金融风险防范
英文关键字：	Net capital management;Trust company;Financial risk prevention
中文摘要：	摘要 信托最早始于18世纪英国，是一种“信而托之”的资金组织形式。由于其灵活的制度设计和展业形式，在世界范围内迅速被接受和运用。改革开放以来，信托行业在我国的社会主义经济建设过程中发挥了独特、积极的作用。但个别机构也存在风险意识缺乏、抗风险能力弱、盲目发展等问题。为此，监管部门相继颁布了一系列监管规则，诸如针对信托公司净资本的管理办法、净资本计算的细则、监管评级同净资本情况挂钩等，对信托公司进行净资本管理。对信托公司进行净资本监管的主要目的在于，要求其固有资产符合充足性及流动性的监管要求，在必要时能够应对各类风险。本文通过对AB信托公司净资本管理实践效果的研究，评析信托公司净资本管理的现状及问题，以期能够对该领域有更加深入的了解并针对问题提出相应建议。 本文结构上共分为六个章节。首先介绍了本文进行研究的背景及意义，思路及框架等；继而对相关概念进行了界定，梳理回顾了金融机构净资本管理的经典理论并对《巴塞尔协议》进行了简要的介绍；然后在此基础上对AB信托公司的净资本管理的现状、存在的问题进行了详细的分析研究；接下来针对AB信托公司在净资本管理中所存在问题产生的原因进行了分析，并尝试提出相应的优化措施建议；最后对本次研究进行了总结并对我国信托公司的净资本管理的进一步研究进行了展望。 本文通过研究发现，AB信托公司的净资本管理实践中，由于资本补充渠道不畅、业务发展模式单一、资产质量不佳等原因，导致其净资本管理存在净资本不足、利用效率不高等方面的问题。结合AB信托公司的实际情况并借鉴行业头部企业的先进经验，本文尝试对AB信托公司的净资本管理提出优化建议，以期能够促进其健康发展。
英文摘要：	Abstract In the 18th century, trust was first established in England. It is a kind of organization . Because of its flexible regime and form, it has been quickly accepted and applied around the world. Since the reform and opening up,the trust industry has played a unique and positive role in the process of China's socialist economic construction. At present, the trust industry has become the second largest financial sector in China after the banking industry. But at the same time, some institutions also have problems such as lack of risk awareness, weak anti risk ability, blind development and so on. To this end, the regulatory authorities have successively issued the measures for the management of net capital of trust companies, the notice on doing a good job in the supervision of net capital of trust companies, the transfer of bank credit cooperative business and the marketing of trust products, the matters related to the calculation standard of net capital of trust companies, the industry rating guidelines of trust companies and other regulations to manage the net capital of trust companies. To ensure that the inherent assets of the trust company are sufficient and maintain the necessary liquidity to meet the needs of resisting the unexpected losses of various businesses. Through the case study of AB trust company's net capital management, this paper understands the practical effects and problems of trust company's net capital management in China, in order to have a deeper understanding of this field and put forward corresponding suggestions. This paper’s structure is divided into six chapters. In the first chapter, the research background, significance, ideas and framework of this paper has been introduced; The second,it reviews the classical theories and literature of net capital management of financial institutions, and briefly introduces the Basel Accord; On this basis, the problems of AB trust company's net capital management has been analyzed; Next, it analyzes the causes of the problems existing in the net capital management of AB trust company, and tries to put forward corresponding suggestions. Finally, it summarizes this research and looks forward to the research direction of net capital management of trust companies in China. After all, in the practice of net capital management of AB trust company, due to the poor capital supplement channel, single business development mode, poor asset quality and other reasons, it leads to the problems of insufficient net capital in its net capital management. Combined with the actual situation of AB trust company and drawing on the excellent experience of leading enterprises in the industry, this paper attempts to put forward optimization suggestions on the net capital management of AB trust company, in order to promote its healthy development.
查看全文：	预览  下载(下载需要进行登录)