联系我们

论文查询结果	返回搜索

论文编号：	15868
作者编号：	2320233828
上传时间：	2025/12/11 14:55:48
中文题目：	T信托公司破产服务信托风险管理研究
英文题目：	Research on Risk Management of T Trust Company''s Bankruptcy Service Trust
指导老师：	张建勇
中文关键字：	信托公司；破产；破产服务信托；风险管理
英文关键字：	Trust company；Bankruptcy；Bankruptcy service trust；risk management
中文摘要：	在中国经济步入供给侧结构性改革与产业转型阶段之际，经济结构正开展深度调整，资源错配风险的释放速度明显加快。2020年突发的新冠肺炎疫情，进一步加快了风险资产的暴露进程，致使部分企业陷入经营困境与债务危机之中。过往许多大型集团企业，因多元化经营，最终未能逃脱破产的命运。几乎没有单一投资者能够承接这些集团企业；此外，除经投资者筛选后保留的资产之外，其余仍具备经济价值，但难以立即处置。此类资产的处置方向，往往成为集团企业破产重组进程中的阻碍。 2023年，原银保监会在1号文件《关于规范信托公司信托业务分类的通知》中，将信托业务划分为资产服务信托、资产管理信托、公益慈善信托三大类别。其中在资产服务信托业务范畴内增设了风险处置服务信托类型。在此政策背景下，信托公司作为金融机构，依托政策支持，凭借信托制度的灵活性与风险隔离特性参与破产重整业务，可有效解决破产重整中各参与方的痛点问题，而这一金融工具的引入，将为破解破产重整难题提供全新的解决思路。 本文选取T信托公司作为研究对象，结合风险管理理论与信托业务相关知识，系统剖析该公司在开展破产服务信托业务过程中的风险情况。首先，对破产服务信托的基本概念、核心特征进行阐述。其次，深入剖析T信托公司在破产服务信托业务开展中面临的法律合规风险、信用风险、操作风险、市场风险等各类风险类型，同时探究此类风险生成的内外部成因。接着，采用层次分析法等研究方法开展风险评估工作，清晰界定各风险因素的重要性水平。最后，从完善风险管理体系、加强专业人才培育、强化风险监测与预警机制等多个维度，提出具有针对性的风险管理策略，以期提升T信托公司破产服务信托业务的风险管理能力。与此同时，鉴于当前针对信托公司破产服务信托的研究成果相对匮乏，本文将深入探究这一新兴领域的理论问题，为信托理论体系的发展提供助力。
英文摘要：	As the Chinese economy enters the stage of supply side structural reform and industrial transformation, the economic structure is undergoing deep adjustments, and the release speed of resource misallocation risks is significantly accelerating. The sudden COVID-19 in 2020 further accelerated the exposure process of risk assets, causing some enterprises to fall into operating difficulties and debt crisis. Many large conglomerates in the past were unable to escape bankruptcy due to diversified operations. Almost no single investor can undertake these group enterprises; In addition, except for the assets retained after investor screening, the rest still have economic value but are difficult to dispose of immediately. The disposal direction of such assets often becomes an obstacle in the bankruptcy and restructuring process of group enterprises. In 2023, the former China Banking and Insurance Regulatory Commission (CBIRC) classified trust businesses into three categories: asset service trusts, asset management trusts, and public welfare and charity trusts, in the No.1 document "Notice on Standardizing the Classification of Trust Business of Trust Companies". Within the scope of asset service trust business, a risk disposal service trust type has been added. In this policy context, trust companies, as financial institutions, rely on policy support and participate in bankruptcy reorganization business with the flexibility and risk isolation characteristics of the trust system, which can effectively solve the pain points of all parties involved in bankruptcy reorganization. The introduction of this financial tool will provide a new solution to solve the problem of bankruptcy reorganization. This thesis selects T Trust Company as the research object, and combines risk management theory with relevant knowledge of trust business to systematically analyze the risk situation of the company in the process of carrying out bankruptcy service trust business. Firstly, elaborate on the basic concepts and core characteristics of bankruptcy service trusts. Secondly, a thorough analysis will be conducted on the various types of risks faced by T Trust Company in its bankruptcy service trust business, including legal compliance risks, credit risks, operational risks, and market risks. At the same time, the internal and external causes of such risks will be explored. Next, risk assessment work will be carried out using research methods such as Analytic Hierarchy Process to clearly define the importance level of each risk factor. Finally, targeted risk management strategies are proposed from multiple dimensions such as improving the risk management system, strengthening professional talent cultivation, and enhancing risk monitoring and warning mechanisms, in order to enhance the risk management capabilities of T Trust Company's bankruptcy service trust business. At the same time, given the relative lack of research results on trust companies' bankruptcy service trusts, this article will delve into the theoretical issues in this emerging field and provide assistance for the development of the trust theoretical system.
查看全文：	预览  下载(下载需要进行登录)