信托公司房地产信托风险管理与防范(MBA硕士)(开题报告,论文29000字)
摘要
近年来，我国开始盛行信托理念，投资信托业务也逐渐成为企业以及个人投资的重要渠道。2009年以后，信托公司管理的信托资产规模开始快速发展，信托收入、信托利润稳步增长。信托行业是一个风险程度较高的行业，信托风险防范与管理是发展信托公司发展壮大过程中的头等大事。房地产信托作为信托公司重要的业务内容，为我国房地产事业的发展提供了大量的资金，同时为我国的经济发展带来了巨大的贡献。目前日趋增多的金融创新业务及金融业混业经营趋势，对信托公司风险管理提出了更高的要求。因此，在我国信托公司发展的时候，建立一个最科学有效的风险控制体系是最为基础的问题。随着我国经济实力的发展，以及我国信托行业的扩展，目前我国信托行业的资产管理规模已经超过保险业，并成为金融行业的重要组成部分。信托公司房地产信托业务风险管理作为金融管理风险的重要内容，对我国金融市场的稳定和房地产市场的健康发展有着直接影响。所以说研究和分析信托公司房地产信托业务风险管理与防范措施具有重要的理论与现实意义。
本文旨在探讨信托公司房地产信托业务风险管理手段及预防措施，为信托公司风险管理提供理论建议。本文共由六个部分组成，第一部分介绍研究背景、研究方法、国内外研究现状等内容；第二部分介绍房地产信托的相关理论；第三部分介绍我国信托业务的发展现状及房地产信托面临的风险种类；第四部分介绍信托公司房地产信托业务的管理手段、风险处置方式及其中存在的问题；第五部分提出解决房地产信托风险管理问题的措施；第六部分对全文进行总结。希望论文的研究能够为我国信托公司改善自身风险管理水平提供有益的借鉴和参考。
关键词：信托公司；房地产信托业务；风险管理；信托基金
Abstract
In recent years, China began to popular trust, investment trust business has gradually become an important channel for business and personal investment. After 2009, the scale of trust assets managed by the trust company began to develop rapidly, trust income, trust profit steady growth. Trust industry is a higher degree of risk of the industry, trust risk prevention and management is the development of trust companies in the process of development and growth of the top priority. As an important business of trust company, real estate trust provides a lot of money for the development of the real estate industry in China, and it also brings a great contribution to the economic development of our country. At present, more and more financial innovation business and financial industry mixed operation trend, the trust company risk management put forward higher requirements. Therefore, in the development of trust companies in our country, the establishment of a most scientific and effective risk control system is the most basic problem. With the development of China's economic strength, as well as the expansion of China's trust industry, the trust industry in China has more than the size of the insurance industry, and has become an important part of the financial industry. Trust company real estate trust business risk management as an important part of financial management risk, the stability of China's financial market and the healthy development of the real estate market has a direct impact. So the research and analysis of trust company real estate trust business risk management and preventive measures have important theoretical and practical significance.
The purpose of this paper is to discuss the risk management measures and preventive measures of real estate trust business of trust companies, and to provide theoretical suggestions for the risk management of trust companies. This paper consists of six parts, the first part introduces the research background, research methods, research status at home and abroad; the second part introduces the related theories of real estate trust; the third part introduces the types of risks facing the trust business in China the status quo and development of the real estate trust; the fourth part introduces the real estate trust business trust management means, risk disposal methods and the existing problems; the fifth part puts forward to solve the problem of the real estate trust risk management measures; the sixth part summarizes the thesis. Hope the research of this paper can provide useful reference and reference for the improvement of the risk management level of trust company in China.
Key Words: trust company；real estate trust business；risk management；trust fund
目次
致谢 II
摘要 III
Abstract V
1 引言 1
1.1 研究背景和意义 1
1.2 国内外研究现状 2
1.2.1 国外研究现状 3
1.2.2 国内研究现状 4
1.3 研究目的、研究方法、研究内容及技术路线图 6
1.3.1 研究目的 6
1.3.2研究内容 6
1.3.3研究方法 7
1.3.4 技术路线图 8
2.1 信托基本理论介绍 9
2.1.1信托的定义 9
2.1.2信托的特点 9
2.2房地产信托基本理论介绍 10
2.2.1房地产信托的定义 10
2.2.2房地产信托的性质和特点 10
2.2.3房地产信托的种类 10
2.3 风险管理基本理论介绍 11
2.3.1风险管理的定义 11
2.3.2风险管理的策略 12
3 房地产信托的发展 13
3.1美国房地产信托的发展 13
3.2我国房地产信托发展现状 14
3.3 我国房地产信托发展存在的问题 15
3.4 我国房地产信托的风险种类 16
3.4.1系统性风险 16
3.4.2非系统性风险 16
3.5 我国信托公司房地产信托业务风险管理及防范的措施 18
3.6 房地产信托风险处理方式 19
3.6.1提前结束 19
3.6.2强制销售 19
3.6.3延期兑付 19
3.6.4借新还旧 20
3.6.5担保方偿付 20
3.6.6第三方接盘 20
3.6.7自有资金接盘 20
4对比分析 21
4.1 越秀房地产信托投资基金简介 21
4.2 越秀房地产信托投资基金与国内信托公司的对比分析 21
4.2.1资金安全监管方面 22
4.2.2内部治理管理方面 23
4.2.3信息公开管理方面 23
4.2.4流动性管理方面 24
4.2.5投资策略方面 24
5 中信舒斯贝尔案例分析 26
5. 1案例简介 26
5.1.1项目基本情况 26
5.1.2危机原因 26
5.2中信信托风险管理手段分析 27
5.3中信信托风险管理存在的问题 28
5.3.1前期调查不足 28
5.3.2严重高估抵押物价值 28
6.信托公司房地产信托业务风险管理及防范存在的问题及其解决措施 30
6.1信托公司房地产信托业务风险管理及防范存在的问题 30
6.1.1法律政策不完善 30
6.1.2刚性兑付影响信托公司的长远发展 30
6.1.3内部治理缺位 31
6.2 信托公司加强房地产信托风险管理及防范的措施 32
6.2.1 完善立法加强监督 32
6.2.2 打破“刚性兑付” 32
6.3.3 完善治理结构 33
7结论与展望 35
7.1结论 35
7.2展望 35
参考文献 37 |
