【摘要】：伴隨著我國(guó)金融行業(yè)的持續(xù)發(fā)展，信托這一重要的金融細(xì)分行業(yè)近年也有了高速發(fā)展。成百上千的信托產(chǎn)品在市場(chǎng)中出現(xiàn)并流動(dòng)，大量的信托產(chǎn)品風(fēng)險(xiǎn)管理工作，既對(duì)信托公司的風(fēng)險(xiǎn)控制部門(mén)提出新的要求，也對(duì)監(jiān)管部門(mén)也提出了很大挑戰(zhàn)。 由于地方政府融資，近年銀行受到銀監(jiān)會(huì)的窗口指導(dǎo)控制風(fēng)險(xiǎn)，而我國(guó)信托機(jī)構(gòu)靈活，，地方政府轉(zhuǎn)向信托公司借款，市場(chǎng)上大量涌現(xiàn)以地方政府平臺(tái)應(yīng)收賬款為基礎(chǔ)債權(quán)資產(chǎn)的政信集合信托產(chǎn)品。由于地方政府融資時(shí)間長(zhǎng)、還款依賴(lài)土地收入等特點(diǎn)，使得投資人對(duì)于政信集合信托產(chǎn)品風(fēng)險(xiǎn)產(chǎn)生憂慮，一定程度上激發(fā)了對(duì)政信集合信托產(chǎn)品風(fēng)險(xiǎn)控制的思考。 本文通過(guò)搜集整理最新數(shù)據(jù)，對(duì)國(guó)內(nèi)信托行業(yè)發(fā)展情況作深入分析，并對(duì)現(xiàn)有國(guó)內(nèi)地方政府融資的信托產(chǎn)品的成因、分類(lèi)、風(fēng)險(xiǎn)特點(diǎn)做相應(yīng)分析；同時(shí)，著眼于地方政府的融資、行業(yè)自身發(fā)展需求，對(duì)政信合作集合信托的風(fēng)險(xiǎn)控制提出一些建設(shè)性的控制思考與操作方案。希望在發(fā)展信托業(yè)務(wù)的基礎(chǔ)上，合理降低集合產(chǎn)品發(fā)生風(fēng)險(xiǎn)的概率。 本文應(yīng)用一般性的研究方法，包括系統(tǒng)性行業(yè)分析、案例實(shí)證分析、理論定性分析和數(shù)量分析等，總結(jié)提出了地方政府融資平臺(tái)集合信托產(chǎn)品的風(fēng)險(xiǎn)特征，以及實(shí)際操作中如何控制政信集合信托產(chǎn)品的風(fēng)險(xiǎn)；探討在可能對(duì)普通投資人造成損失情況下，信托公司對(duì)于地方政府融資平臺(tái)追償貸款的可行措施。
[Abstract]:With the sustainable development of China's financial industry, trust, an important financial subdivision industry, has also developed rapidly in recent years. Hundreds of trust products appear and flow in the market. A large number of trust product risk management work not only puts forward new requirements for the risk control departments of trust companies, but also poses great challenges to the regulatory authorities. As a result of local government financing, banks have been guided by the CBRC to control risks in recent years, while trust institutions in China are flexible and local governments have turned to trust companies to borrow. A large number of political trust products based on local government platform accounts receivable have emerged in the market. Because of the long financing time of local government and the dependence of land income on repayment, investors are worried about the risk of political trust products, and to a certain extent, stimulate the thinking on the risk control of political trust products. By collecting and sorting out the latest data, this paper makes an in-depth analysis of the development of the domestic trust industry, and makes a corresponding analysis of the causes, classification and risk characteristics of the trust products financed by the local government in China. At the same time, focusing on the financing of the local government and the development needs of the industry itself, this paper puts forward some constructive control thinking and operation schemes for the risk control of the trust. It is hoped that on the basis of developing trust business, the probability of risk of collective products will be reduced reasonably. Based on the general research methods, including systematic industry analysis, case empirical analysis, theoretical qualitative analysis and quantitative analysis, this paper summarizes and puts forward the risk characteristics of local government financing platform collective trust products. And how to control the risk of political trust collection trust products in practice; This paper probes into the feasible measures for the trust company to recover the loan from the local government financing platform under the condition that it may cause losses to the ordinary investors.
【學(xué)位授予單位】：上海交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.49

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