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中融国际信托有限公司项目后续风险管理问题研究_MBA毕业论文DOC

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文本描述
摘要
中国信托业在改革开放数十年的时间里,已经成为中国资产管理行业的重
要一极。然而,最近几年,随着中国经济总体增速的放缓,主要资金投向实体
经济的中国信托业也出现了风险暴露的态势。中融国际信托有限公司作为中国
信托行业发展标杆,为投资者提供私募投行、资产管理、财富管理等全方位的
金融理财服务。近年来,随着国家宏观经济形势变化、监管政策调整、市场需
求转变,公司也随即进行业务战略转型,并制定出台了一系列新的风险管理政
策和标准,并不断修订完善现有各类业务标准和操作原则,引导业务发展方向,
不断完善项目后续风险管理体系。项目后续风险管理作为项目风险管理工作的
重要组成部分,是项目从成立到清算的整个风险管理过程,是在项目投贷后的
一到三年甚至更长的存续期间内,确保项目能够按期收回投资本金及收益,具
体包括风险监测、风险预警、持续跟踪、分析判断、风险处置等工作内容

本论文对公司整体情况、项目风险管理体系概况、项目后续风险管理体系
情况进行介绍,并充分利用 PEST 分析模型、波特五力分析模型和 SWOT 战略
分析模型等研究工具,对公司所处的宏观环境、行业情况、自身状况进行分析

尽管公司目前已经建立了较为完善的项目后续风险管理体系,但仍然发现以下
问题:项目后续风险管理制度有待进一步完善;项目后续风险管理部门职责交
叉,需要进一步明确和强化;项目后续风险管理手段还比较有限,需要增多增
强;项目风险信息不对称,需要进一步加强风险信息传递等。本论文依据金融
风险管理理论、投资决策理论、现代资产组合理论、产业生命周期理论等作为
理论基础,采用文献研究法、对比研究法、综合分析法等研究方法,重新设计
项目后续风险管理的解决方案,包括:建立“大运营管理平台”,重新划分和明
确相关部门职能;进一步明确监测风险的类别和对象;充分改进风险监测和分
类方式;加强资本市场项目存续期决策和信息披露管理;进一步增强内部反馈
和岗位考核力度等,同时,提出解决方案执行的如下主要保障措施:制定和完
善项目后续风险管理制度;广泛征求意见,完善工作职责;颁布相关管理制度,
集中宣讲并落实执行;通过各方反馈,调整不合理条款;加强团队建设和人员
管理;加强系统建设,有效利用大数据信息等

本论文通过对项目后续风险管理问题的研究,重新调整项目后续风险管理
新方案的设计和改善措施,将使公司建立起更加完善、专业、严谨的项目后续
风险管理体系,并以此来有效控制项目风险,以保证项目的顺利退出和信托收
益的实现。同时,通过对项目后续风险管理工作的一系列改革,将有效提高公MBA 学位论文 作者:高远 中融国际信托有限公司项目后续风险管理问题研究
III
司项目后续风险管理水平,并将对公司资产管理能力的提升乃至公司整体业务
的发展起到重要的促进作用

关键词:信托;项目;风险管理体系;项目后续风险管理MBA 学位论文 作者:高远 中融国际信托有限公司项目后续风险管理问题研究
IV
Abstract
In the decades of reform and opening up, the Chinese trust industry has grown an important
part of the asset management industry. In recent years, however, along with the slowdown of
Chinese economic growth, the Chinese trust industry, whose main funds are invested in the real
economy, is also exposed to the trend of risk exposure. Zhongrong International Trust Co., Ltd.,
the development benchmark of the Chinese trust industry, provides a wide range of financial
services to investors, including private equity investment banking, asset management, wealth
management, and so on. In recent years, following the macroeconomic situation changes,
regulatory policy adjustments and market demand shifts, Zhongrong International Trust Co., Ltd.
has deployed business strategic restructuring accordingly, developed a new series of risk
management policies and standards, and constantly revised and improved the existing types of
business standards and operational principles to guide the direction of business development and
to improve the project follow-up risk management system. As an important part of project risk
management, project follow-up risk management is a risk management process that covers the
entire project life cycle from launch to liquidation. For an on-going project, it ensures that over
the next one to three years or even longer after the application of funds, the principal and income
of the investment can be repaid timely. Specifically, the process includes risk monitoring, risk
warning, tracking, analytical reasoning and risk disposing.
This paper will introduce the overall situation, the project risk management system, and the
project follow-up risk management system of Zhongrong International Trust Co., Ltd.. Certain
research tools, consist of PEST model, Porter’s Five Forces model and SWOT model analysis,
will be fully applied to analyze the macro-environment of the company, the industry situation,
and the company status. Although Zhongrong International Trust Co., Ltd. has established a
comparatively complete framework of follow-up risk management, the following problems still
exist: the follow-up risk management system is still found to be improved; some overlapping
follow-up risk management department responsibilities needed to be further cleared and
strengthened; project follow-up risk management tools are still relatively limited and needed to
be increased and enhanced; information asymmetry should also be addressed by reinforcing risk
information transfer. The theoretical basis of the paper includes financial risk management theory,
investment decision making theory, modern portfolio theory, and industry life cycle theory. The
research methods include literature research, comparative study, and comprehensive analysis.MBA 学位论文 作者:高远 中融国际信托有限公司项目后续风险管理问题研究
V
Based on the theories and methods, the solutions on project follow-up risk management will be
redesigned, including: building an “integrated operations management platform” to redistribute
and clarify relative department functions; further specifying the categories and objects of the
risks monitored; substantially improving risk monitoring and classification methods; reinforcing
on-going capital markets projects’ decision-making and information disclosure management; and
strengthening internal feedback and position evaluation. Meanwhile, the paper will propose the
following main supporting measures to guard the implementation of solution plans: enacting and
improving project follow-up risk management regulations; widely soliciting opinions to
complete job responsibilities; issuing, promoting and executing relative management regulations;
adjusting unreasonable terms based on feedback collected from all sides; reinforcing team
building and personnel management; and improving system development and effectively
utilizing big data information.
The studies on the problems of project follow-up risk management, the newly designed
plans, and the improved measures will help Zhongrong International Trust Co., Ltd. control
project risks effectively through building an improved more professional and rigorous follow-up
risk management system, in order to ensure the smooth exit from projects and the realization of
trust income. At the same time, the series of reforms on project follow-up risk management will
effectively help improving the level of company project follow-up risk management, and play an
important role in promoting company’s asset management abilities or even the development of
the overall business.
Key words: Trust; Project; Risk management system; Project follow-up risk managementMBA 学位论文 作者:高远 中融国际信托有限公司项目后续风险管理问题研究
VI
目录
一、绪论....1
(一)研究背景和问题 ....... 1
1、研究背景.........1
2、研究问题.........4
(二)研究内容和思路 ....... 5
1、研究内容.........5
2、研究思路.........6
(三)研究工具和方法 ....... 6
1、研究工具.........6
2、研究方法
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