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MBA论文_资管新规下A信托公司业务转型发展研究

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更新时间:2023/3/23(发布于天津)

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摘 要
信托业是金融业重要支柱和组成部分之一,近几年我国信托业在资产规模、营业收入
等方面均实现了快速发展,其背后却隐藏着许多问题。主要表现为层层嵌套式的通道业务,
这不仅使得大量资金脱实向虚,而且绕开了监管限制,埋下危机隐患。在此背景下,2018
年4月,中国人民银行、中国银行保险监督管理委员会等部门联合印发了《关于规范金融
机构资产管理业务的指导意见》,对资管行业进行了全面系统的整治,开启了我国资产管
理行业的新时代。2022年4月,《关于调整信托业务分类有关事项的通知(征求意见稿)》
进一步明确了信托业改革发展与转型升级方向。
本文主要聚焦资管新规下信托公司信托业务的转型发展,并选取排名靠前的A信托公
司为例进行具体的案例研究分析。文章首先介绍资管新规颁布的背景,资管新规对银行理
财、公募基金等主要资管主体的影响,并就资产规模、资金投向以及营业收入三方面详细
介绍资管新规对信托业产生的影响;然后介绍A信托公司及其信托业务开展情况,信托公
司转型的内外部条件,以及A信托公司具体的业务转型内容;随后根据业务转型内容,从
“资金端”、“资产端”和“运营端”角度对资管新规下A信托公司信托业务的转型效果
进行分析。分析发现A信托公司信托业务的资金来源结构得到显著优化,公司主动管理能
力有所提高;公司主动管理业务规模上升,资金投向结构也得到了优化;资金平均收益率
有所上升,不良资产率不断下降,公司风险控制水平得到了显著提高。
最后,结合当前政策法规要求以及市场需求,提出进一步优化转型建议:在“资金端”
方面,增强公司资本实力,稳定长期资金来源;在“资产端”方面,加速标品转型,发展
家族信托和慈善信托;在“运营端”方面,提高科研能力,加强风险放空,注重人才培养。
关键词:
信托业;资管新规;业务转型;转型效果;优化建议
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Abstract
The trust industry is one of the important pillars and components of the financial industry.
In recent years, our country's trust industry has achieved rapid development in terms of asset
scale and operating income. However, behind the rapid development, there are many problems
hidden, mainly manifested in layers of nested channel business. This not only makes a large
amount of funds deviated from the real and the virtual, but also bypasses the regulatory
restrictions and lays the hidden danger of crisis. In this context, in April 2018, the People's Bank
of China, the China Banking and Insurance Regulatory Commission and other departments
jointly issued the "Guiding Opinions on Regulating the Asset Management Business of
Financial Institutions", which comprehensively and systematically rectified the asset
management industry and opened It has ushered in a new era of my country's asset management
industry. In April 2022, the "Notice on Matters Related to Adjusting the Classification of Trust
Business (Draft for Comment)" further clarified the direction of the reform, development,
transformation and upgrading of the trust industry.
This paper mainly focuses on the transformation and development of the trust business of
trust companies under the new asset management regulations, and selects the top-ranked A trust
company as an example to conduct specific case study analysis. The article first introduces the
background of the promulgation of the new asset management regulations, the impact of the
new asset management regulations on major asset management entities such as bank wealth
management and public funds. It also introduces in detail the impact of the new asset
management regulations on the trust industry in terms of asset scale, capital investment and
operating income. Then it introduces the development of A trust company and its trust business,
the internal and external conditions of the trust company's transformation, and the specific
business transformation content of A trust company. According to the content of business
transformation, from the perspectives of "fund side", "asset side" and "operation side", the
transformation effect of A Trust Company's trust business under the new asset management
regulations was analyzed. The analysis found that the fund source structure of A Trust
Company's trust business has been significantly optimized, and the company's active
management capability has been improved; the company's active management business scale
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