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论文编号：	5939
作者编号：	2120112776
上传时间：	2013/12/7 0:42:46
中文题目：	信托融资中的信用风险管理研究
英文题目：	Research on the credit risk management of trust financing
指导老师：	陆宇建
中文关键字：	信托融资 信用风险管理；刚性兑付
英文关键字：	Trust financing；Credit risk management；rigidity payment
中文摘要：	作为我国金融市场进几年快速成长起来的新兴力量，信托资产规模继2010年、2011年突破3万亿元、4.5万亿元关口后，2012年继续上涨，截止2013年第一季度末，我国63家信托公司管理资产规模达到8.7万亿元。庞大的金融资产规模，让信托融资早已与银行、证券、保险和基金并肩成为金融市场的五大支柱之一。 1979年中国第一家信托公司——中国国际信托投资公司的成立，标志着我国信托业的正式开始。虽然我国的信托业已有30多年的发展历史，但是发展节奏完全不均衡，以前一直处于近乎停滞状态，2009年开始才出现了爆发性增长，这种失衡性的粗放增长，给行业带来了巨额的利润的同时也埋下了前所未有的风险隐患，所以，如何对现有的信托融资风险管理体系进行改进和提升，成为所有信托从业人员甚至是金融从业人员亟需破解的难题，因为关乎整个行业未来能否健康的发展以及金融市场的安全和平稳。 本文以信托融资中的风险管理为研究对象，阐述信用风险管理理论的研究与应用。首先，本文对信用风险理论、信托融资理论和信托融资信用风险管理理论进行了系统的研究分析；然后，结合实际案例按照现有信托融资主要业务分类为研究对象，详细的分析各业务分类的信用风险管理方法和核心控制要点；最后，结合TB信托融资项目信用风险管理的实际案例，给出项目信用风险防控的建议应对策略。本文旨在对信托融资中的风险管理实践操作提出一些思考，希望对信托融资改进和提升信用风险管理体系具有一定的参考意义。
英文摘要：	As a new and fast growing force in China's financial market in recent years, trust assets followed the 2010, 2011 broke through of 3000 billion RMB & 4500 billion RMB mark, and continued to rise in 2012, by the end of the first quarter of 2013, assets under management of 63 trust companies in China has reached 8700 billion RMB. With large scale of financial assets, trust assets have become one of five pillars of financial market together with bank, securities, insurance and fund. Established in 1979, China's first trust company -- China International Trust &Investment Company, marked the official start of the trust industry in china. Although China's trust industry has a history of 30 years, the pace of development is not balanced, it had been standstill till 2009, before the beginning of the explosive growth. The extensive growth imbalance, brought hug profits to the industry, meanwhile buried unprecedented hidden risk. Therefore, how to improve and upgrade the current financing risk management system, becomes the top urgent challenge for all trust assets practitioners, and even financial practitioners, since it influences the industry's health growth in the future as well as the safety and the stability of the financial market. This paper focuses on the risk management of trust financing, studies the research and application of credit risk management theory. Firstly, this paper systematically analyzes research on credit risk theory, trust financing theory and trust financing credit risks management theory; then, combined with the actual case，treat the existing trust financing main business as the research object, analyze the business classification oriented credit risk management methods and key control points in detail; finally, by studying the actual case of TB trust financing credit risk management, gives the suggested strategy of project credit risk management. The purpose of this paper is to raise some thoughts toward risk management practice of trust financing operation, and hopefully this paper will have certain reference value for improving and upgrading the trust financing credit risk management system.
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