Risk Management Of Real Estate Trusts

Risk management has always been the eternal theme during the development offinancial industry. Trust industry is a high risk industry, trust industry in our country hasentered a period of rapid development, more and more business of financial innovation andfinancial mixed operation trend, trust companies in risk management has put forwardhigher requirements. With the trust business to the social economy unceasing seepage,across the money market, capital market and industry market trust industry and the role ineconomic and social China plays a more and more important. Trust risk as an importantpart of financial risk management, has a great impact on China economic security.Therefore, to study and discuss the trust company risk management mechanismoptimization problem has important theoretical and practical significance.Real estate trust is an important part of the trust business, but also a source of realestate enterprises an important financing channel and trust industry profit, positive effecton the development of real estate industry, has the social finance, for financing real estateand investment and financing services. Reality show, has significantly countercyclicalcharacteristics of real estate trust development, the fundamental reason lies in the trustindustry has been in a subordinate status in China financial industry, and the flexibility of.At the same time, with the rapid development of the real estate industry at the same time,the risk of real estate trust is more and more obvious, since2012the exchange risk hasbeen gradually concerned. The possibility of trust industry led regional, systemic risk is notbig, but how to effectively guard against and defuse the risks of the trust business is thetrust industry is worth serious consideration and study of major problem.Risk management is one of the core competitiveness of trust company, riskmanagement mechanism is the same important basic tools and risk management.Establishing trust and risk management mechanism can effectively prevent the risk of trustin the financial system and diffusion, guarantee the stability of the financial system. Atpresent, the trust practice have taken various risk management mechanism, according tothe different product has the risk control and management measures of different, althoughit can play a certain role, but it is difficult to fundamentally to risk management objective.There is an urgent need for the existing real estate trust mechanism to improve the riskmanagement, building a more comprehensive and effective risk management mechanism.This paper expounds the concept, the real estate trust mode of operation andcharacteristics, then discusses the basic theory of real estate trust risk management; andthen with M trust company as an example, analysis of the factors affecting real estate trustrisk by using the analytic hierarchy process and fuzzy comprehensive evaluation method;finally, according to the reality and experience from other industries, from strengtheningthree aspects of trust risk internal control, strengthening risk supervision trust company anda risk to resolve and buffer mechanism on the real estate trust risk management mechanismoptimization countermeasures.