[1]王婷婷,张 欢.关于利率市场化信托业转型升级策略的研究[J].金融教育研究,2016,(02):16-22.
 WANG Tingting,ZHANG Huan.Research on the Transformation and Upgrading Strategy of Interest Rate Marketization Trust Industry[J].,2016,(02):16-22.
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关于利率市场化信托业转型升级策略的研究()
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《金融教育研究》[ISSN:1006-6977/CN:61-1281/TN]

卷:
期数:
2016年02期
页码:
16-22
栏目:
出版日期:
2016-05-01

文章信息/Info

Title:
Research on the Transformation and Upgrading Strategy of Interest Rate Marketization Trust Industry
作者:
王婷婷 张 欢
1.中泰信托有限责任公司 研究发展中心,上海 200020; 2.南京财经大学 金融学院,江苏 南京 210023
Author(s):
WANG Tingting ZHANG Huan
1.Zhongtai Trust co.,LTD.Research and development center,Shanghai 200020,China; 2.Nanjing University of Finances and Economics,Nanjing,jiangsu,210046,China
关键词:
利率市场化 信托业 转型升级
Keywords:
interest rate marketization trust industry transformation and upgrading
分类号:
F830.8
文献标志码:
A
摘要:
近些年,随着利率市场化步伐不断加快和互联网金融冲击,信托业传统的依靠高利率竞争优势正在丧失,信托业没有商业银行的网络布局优势,其出路何在成为中国金融理论与实践工作者争于寻找的答案。客观分析,利率市场化于信托业而言是机遇与挑战并存,一方面优化了竞争机制,促使信托回归本源,另一方面信托发展又面临更大的信用风险、利率风险和经营风险。因此,利率市场化条件下,信托业的出路是依托自身条件,加快转型升级步伐,积极打造成以品牌为基础的专业财富管理机构,大力开展资产证券化和家族信托等创新型业务,加强信誉、品牌和人才建设,发挥自身制度优势。
Abstract:
In recent years,with the rapid progress of interest rate marketization and the Internet financial shocks,the traditional trust industry which rely on interest rates is losing its competitive advantage,it has no network layout advantage of commercial bank,so China's financial theory and practice workers are looking for the way out.In terms of objective analysis,interest rate marketization in trust industry is both opportunities and challenges,on the one hand,the competition mechanism was optimized and prompted the trust to return to the origin,on the other hand,the trust development faces greater credit risk,interest rate risk and operational risk.Therefore,under the condition of interest rate marketization,the way out is to rely on their own conditions,to speed up the pace of transformation and upgrading,to create professional wealth management institutions actively on the basis of the brand,to develop innovative businesses such as asset securitization and the family trust,to strengthen the construction of credibility,brand and talent,and play its system advantage.

参考文献/References:

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更新日期/Last Update: 1900-01-01