摘要
随着信托行业资产规模的不断扩张,部分信托项目风险事件也暴露出来。在刚性兑付文化以及信托公司的社会影响力尚不稳定的情况下,加强信托项目风险处置对于信托公司提出了较高的要求。基于26个信托项目风险事件以及信托公司风险管理实践的研究发现,尽职调查不完善、信托项目过程管理流于形式以及交易对手不诚信等是信托项目出现风险的重要原因。风险处置手段包括延长信托项目期限和提前终止等措施,信托公司需要通过恰当的风险处置手段保护投资者利益。未来,信托公司需提高风险管理水平和能力,进一步防范信托风险事件发生。
With the continuous expansion of the asset scale of the trust industry, some trust risk events have emerged. Under the condition that this is a compulsory payment culture and trust company exerts little social influence, it sets forward higher requirements for strengthening the risk management of trust companies. Based on the study of 26 trust risk events and the risk management practices of trust companies, this paper finds that imperfect due diligence sur- vey, a mere formality process management of trust, and dishonesty of trading partners are important factors leading to risks. The trust company should use appropriate risk management measures to protect the interests of investors, which includes extension of the trust duration, termination and other measures. ＇In the future, the trust company should strengthen risk management to further prevent the occurrence of trust risk events.
出处
《金融发展研究》
2013年第9期53-59,共7页
Journal Of Financial Development Research
