【摘要】：目前，我國信托業(yè)的盈利能力與受托規(guī)模及創(chuàng)造的收益水平等都已超過了公募基金業(yè)。產(chǎn)品形式、產(chǎn)品內(nèi)容、產(chǎn)品模式及專業(yè)能力也逐步得到了大眾的認可。然而，隨著信托業(yè)的蓬勃發(fā)展，，一系列的問題也開始暴露出來了，甚至引起過局部的金融動蕩。近日某著名信托公司的礦產(chǎn)信托出現(xiàn)了兌付危機，涉及的金額達到了幾十億，這也為信托風險管理敲響了警鐘。新時代信托股份有限公司（以下簡稱“新時代信托”）在快速壯大的同時也仍存在著一系列的風險管理問題。本研究從市場風險、信用風險、流動性風險、政策法律風險及操作風險角度出發(fā)，對新時代信托的風險進行分析。通過實地調(diào)查，結合前人的研究，指出了其存在的問題，并找出了存在問題的原因，即公司治理結構不完善、缺乏風險管理人才、風險控制技術相對落后、風險管理制度不完善等。通過對這些原因的探尋，本研究通過相應的對策建議，即完善信托風險制度體系，完善市場風險制度體系，完善操作風險制度體系，完善流動性風險制度體系，完善政策法律風險制度體系，和這些對策建議可以得到實施的保障措施，即完善公司治理結構，內(nèi)控建設，制定業(yè)務決策及風控委員會工作制度，建設人事管理制度及崗位職責制度，加強公司風險管理意識文件，推動信息化建設，建立突發(fā)風險事件處理機制來盡量避免新時代信托的信托業(yè)務發(fā)生風險。
[Abstract]:At present, the profitability, trust scale and income level of trust industry in China have exceeded the public fund industry. Product form, product content, product model and professional ability have been gradually recognized by the public. However, with the rapid development of the trust industry, a series of problems have been exposed and even caused by local financial turmoil. Recently, the payment crisis of a famous trust company's mineral trust, involving billions of dollars, also sounded the alarm for trust risk management. New era Trust Co., Ltd. (hereinafter referred to as "New Age Trust") has a series of risk management problems. This study analyzes the risks of trust in the new era from the perspectives of market risk, credit risk, liquidity risk, policy and legal risk and operational risk. Through field investigation, combined with previous studies, this paper points out the existing problems, and finds out the reasons for the problems, that is, the imperfect corporate governance structure, the lack of risk management talents, and the relatively backward risk control technology. The risk management system is not perfect and so on. Through the exploration of these reasons, this research through the corresponding countermeasures and suggestions, that is, to perfect the trust risk system, perfect the market risk system, improve the operational risk system, improve the liquidity risk system, Perfect the system of policy and law risk system, and these countermeasures and suggestions can be implemented, that is, improve the corporate governance structure, internal control construction, formulate business decision-making and work system of the wind control committee, In order to avoid the trust business risk in the new era, the personnel management system and the post responsibility system should be built, the company risk management consciousness document should be strengthened, the information construction should be promoted, and the emergency risk handling mechanism should be established to avoid the trust business risk as far as possible.
【學位授予單位】：內(nèi)蒙古財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F272.3;F832.49

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