Research On The Risk Operational Efficiency Of China's Trust Industry Under Strict Supervision

The “Guiding Opinions on Regulating the Asset Management Business of Financial Institutions” was promulgated in April 2018.The guidance comments were made on breaking the rigid redemption,raising the threshold for investors to enter,suppressing the channel business,removing multiple nesting and prohibiting the fund pool business.More stringent regulations,the strength of the new regulations,is enough to demonstrate the determination of the regulatory authorities to control risks.Under strict supervision,how the development of the trust industry and the efficiency of risk management require us to analyze from a new perspective.Since 2008,the supervision of the financial industry has been step by step.Under the supervision of the "first year" 2018,the amount and scale of the risk projects in the trust industry have not been reduced,but have achieved a "blowout",thus indicating that the trust industry risk is A transition period is needed to regulate the management step by step.From the data disclosed by the use of trust network.In 2018,there were 832 trust industry risk projects.The number of risk projects in 2017 and 2016 was 601 and 545 respectively.It can be seen that the increase in the risk project of the trust industry in 2018 reached 38.44%,which was 10.28% in 2017.Nearly four times.From the perspective of the scale of risk projects,the scale of risk projects reached 22,218 million yuan in 2018,and 131.434 billion and 117.539 billion in 2017 and 2016 respectively.In 2018,the scale of trust industry projects increased by 69.05%,which is the 2017 risk project.The increase was nearly 7 times that of 11.82%.Under the circumstances that the amount of trust industry risk projects are staggering,how to balance the risks and benefits of the trust industry,the research on the risk management efficiency of the trust industry is extremely urgent.The article mainly focuses on five parts.The first part is the introduction of the article.It mainly introduces the background and significance of the research on the risk management efficiency of the trust industry.Through comparative analysis of domestic and foreign literatures to explore the current status of risk management efficiency in China's trust industry.The research methods and innovations of this paper are insufficient.The second part explores the development status and risk impact factors of China's trust industry.The third part takes H Trust's “XXX16 XXX Mining Trust Loan Collective Fund Trust Plan” as an example(hereinafter referred to as “ XXX16"),through the study of the default process of "XXX16",explores the main risks faced by trust companies in conducting business;the fourth part introduces factor analysis and Z-score scoring system,and calculates 68 trust businesses in China.The risk operation efficiency of the trust company is to score the level of risk control,and to explore the risk control measures of trust companies with high risk control level;the last part is to establish a sound risk screening mechanism,pay attention to the legal provisions in the trust contract,and introduce rationality.Third-party risk assessment agencies,clearing out counterparty claims and equity The trust company's response measures and suggestions are proposed in six aspects,such as improving the risk control awareness of trust companies,establishing a corporate risk control culture,and using financial technology to improve the database of trust models.