The Research On Trust Business Development Of CITIL

From trust development to now, the trust relates closely with bank. Though the joint of bank and trust has caused chaos in the financial sector, and then suffered rectification from financial regulators, the rectified trust and the bank has worked in many fields because of the traction of interests. There are a lot of cooperation patterns of bank and trust, but either way, the cooperation of bank and trust are certainly will cause the extensive concern of the financial sector. In recent years, under the government’s promote and the consideration of the win-win situation, bank and trust start to the new cooperation mode-banking system trust. That is to say, commercial bank makes a trust company a holding subsidiary through the share acquisition holding the trust company. Commercial bank can obtain the trust license in the process, which lays the foundation for comprehensive management of full license. At the same time, commercial bank can take advantage of the unique advantages of trust system to get help for its business development and innovation and the transformation of traditional profit model. For trust company, the industry consensus "proximity to good advantage of the shade tree". Trust company can make full use of the capital strength, customer resources, marketing ability, and risk control ability from the major shareholder for the trust business development and innovation ability ascension, to enhance the comprehensive strength and promote the industry position though the introduction of commercial bank, the powerful strategic investor. However, the development of the banking system trust company is not as good as the outside expected. The banking trust company plays a role in the process of the trust business development by taking advantage of the biggest shareholder, at the same time, which also faces with some problems which need to be solved.At present, there are mainly four successful banking system trust cases. They are BOCOMMTRUST, CCBT, CITIL and SHANGHAI TRUST. The trust business development among the banking system trusts are the common but its characteristics are also obvious. Simple as a whole to study the trust business development of the banking system trust is not feasible. So this article only chooses a trust company-CITIL to study, which is better in trust business development but whose biggest shareholder strength is relatively weak, and whose banking shareholder background is shorter but the time which happened is close among the banking system trust. Hope to play a reference role to the trust business development of other banking system trust companies though the research on the trust business development of CITIL. As a result that the case of Shanghai Pudong Development Bank holding Shanghai trust has just completed on March 16,2016, only the cases data of BOCOMMTRUST and CCBT are presented in this paper to analyze the trust business development of CITIL.At first, this paper makes a brief summary to the banking system trust, and expounds the causes of the form of banking system trust. Banking system trust is the choice that the commercial bank comes true financial holding group development strategy and business development, and is the important step that trust company achieves transformation of development, and also is done under the role of the government. The paper introduces the existing four major Banks in China, and elaborates the main business characteristics of our country banking system trust. Compared with non-banking system trust companies, they have four obvious characteristics, which are that trust scale is growing rapidly, and single trust accounts for a high proportion and trust scale gives priority to passive management, and banking system trust companies attach great importance to the financial equity investment, and the acceleration of capital increase is faster because of the bank. In CITIL, the traditional trust business such as financial cooperation, the securities investment trust, real estate trust, basic industry trust, industrial and commercial enterprises trust, account for larger proportion, but innovation business are less. Asset securitization and alternative investment trust are the major innovation business of CITIL.Then this article mainly uses the comparative analysis to study the trust business development of CITIL. Through the compare with BOCOMMTRUST, CCBT, CITIC Trust Co., Ltd and the trust Industry average level, the trust business development of CITIL exist some problems. For example the trust business account for the proportion and income appear a larger decline; the distribution of assets changes greatly; Trust return rate reduced year by year and the trust scale advantage is not obvious; the trust management gives priority to passive management and active management capacity is low; the trust project yield is down, and property management ability remains to be enhanced; The trust business gives priority to traditional trust business, and lacks of innovation; Trade cooperation gives priority to channel business, shareholder’s advantage is not obvious. Finally facing to these problems, this paper puts forward some Suggestions to the trust business development of CITIL. CITIL should continue to optimize the structure of traditional business, and accelerate product innovation, and develop new trust business to excavate new profit growth point, and improve active management capacity to achieve professional development, and strengthen cooperation with other financial institutions, and bring into the development strategy of major shareholder to give full play to the advantages of shareholder. In this paper, the research of the trust business development of CITIL provides reference for the future trust development of CITIL. hope the other banking system trust company and Trust companies interested in introducing bank as the strategic investors can get some elicitation from CITIL, to make the trust business development of banking system trust in China can really play the advantages of biggest shareholder, to achieve the effect, and go ahead in the development of trust industry transition.