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论文编号：	9237
作者编号：	2120142788
上传时间：	2017/6/13 14:31:34
中文题目：	主动管理型信托贷款风险管理研究
英文题目：	A Research on risk management of active management trust loan
指导老师：	覃家琦
中文关键字：	主动管理型信托；信托贷款；风险管理
英文关键字：	Active management trust；Trust loan；Risk management
中文摘要：	2015年，信托资产规模跨入“16万亿”大关，行业转型初露成效，业务结构日趋合理，资金供给与资产需求匹配度不断提高，事务管理能力与投资能力显著增强，资产主动管理能力明显提升，主动管理型信托逐渐回归信托公司本源。从监管层的方向看，监管层方面鼓励信托公司开展主动管理型信托业务，鼓励信托公司自主开发信托产品；从资产管理市场看，信托公司被动管理业务在泛资产管理市场中的份额明显下降；从信托公司自身考虑，主动管理型信托贷款项目的规模与质量是彰显信托公司资产管理能力的重要指标，项目是否可以安全兑付更直接体现了信托公司的品牌，口碑和市场竞争力，对信托公司评级产生重要影响。因此，无论是监管层方面，资产管理市场方面，还是信托公司自身发展方向，主动管理型信托产品在现阶段必将成为信托公司的主要业务方向之一，研究和探讨主动管理型信托贷款的风险管理具有重要的理论与现实意义。 基于此,本文就主动管理型信托贷款项目的风险管理分六部分开展论述。第一部分，绪论。介绍本文的研究背景及意义、研究方法内容及逻辑框架,并对信托企业风险控制方面的研究动态进行梳理。由于主动管理型信托贷款项目的风险成因复杂，风险要素繁多，建立合理有效的风险控制体系是信托公司风险管理的基础，因此本文第二部分，信托公司风险管理体制，从公司层面介绍信托公司应构建的风险控制体系，内部控制及业务风险控制操作流程。由于我国经济状况及房地产行业的特殊性，房地产信托贷款是主动管理型信托贷款的主要类型。因此本文第三、四部分，选取JS房地产信托贷款项目作为典型案例，介绍案例情况，并就其进行风险研究和风险分析。本文第五部分，结合本文第二章信托公司风险控制体系及流程，研究探讨如何对案例中所述房地产信托贷款进行风险管理。最后，第六部分总结本文重点，得出结论，以期对信托公司开展主动管理型信托业务提供参考建议。
英文摘要：	In 2015, the size of Trust assets reached an unprecedented 16 trillion. The industry transformation had gained the initially effective results; the business structure was becoming more and more reasonable; the supply of funds matched better with the demands of assets. According to the direction of the regulatory layer, the regulatory layer encourages the trust company to focus on the active management trust business and independently develop trust products; From the asset management market, the share of trust company's passive management business in the asset management market drops significantly; For the trust company's own considerations, the abilities of transaction management and investment had been enhanced greatly; the asset active management capabilities were significantly improved. The scale and quality of the active management of the Trust project was the important indicator measured the capability of asset management of the Trust Company. Whether the project could be paid safely will more directly reflect the Trust Company’s brand, Word of Mouth and the market competitiveness, and make a significant effect on the Trust Company Rating. Therefore, whether the regulatory layer, the asset management market, or the trust company's own development direction,?at present, active management trust products will become one of the main business direction of trust companies, it is critical and realistic to study and discuss the risk management of active management of Trust Loan. Based on the above reasons, the paper was divided into six parts to discuss and analyze the risk management of the active management of the Trust Loan project in detail. In the first part, the paper mainly introduced the research background and significance, research methods and contents, and logical framework. Because the risk factors of active management trust loan project are complex and numerous, the establishment of reasonable and effective risk control system is the foundation of trust company risk management. Therefore, the second part focused on the trust company risk management system. From the corporation's point of view, this part introduced what the Trust Company should be built for the risk control system, internal control and business risk control operating procedures. Due to the economic situation of China and the particularity of real estate industry, real estate trust loan is the main type of active management trust loan.?So the third and fourth part of this article, taking the JS Real Estate Trust Loan project of a Trust Company as an example, introduced the case, and carried on the risk research and risk analysis. The fifth part combined with the second chapter of the trust company risk control system and process, to explore how to deal with the real estate trust loan risk management. Finally, the sixth part summarizes the key points and draws the conclusion, with a view to provide reference for the trust companies to carry out active management trust business.
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