Research On Risk Management Of Z Trust Company Real Estate Collected Fund Project

As an important part of China's national economy,the real estate industry has a huge contribution rate to China's GDP every year,accounting for about 10%.The rapid development of the real estate industry has also led to the rapid development of the trust industry.Real estate as a pillar industry of the trust industry,It is the main economic source of the trust industry.However,high yields inevitably face high risks.At the end of 2019,the scale of risk assets in the trust industry was 577.047 billion yuan,an increase of 354.86 billion yuan from the end of 2018,an increase of 159.71%.The reason for the significant increase in the size of risk assets is mainly because of the Since the official release of the new regulations,the supervision department has gradually tightened supervision of the real estate business.In 2019,the supervision has been further tightened.The channel business of the trust industry continues to decline,and passive management trusts are facing transformation.Therefore,under the increasingly strict regulatory background,real estate trust risks continue to be exposed,resulting in a sharp increase in the size of risk assets,so trust companies are very important for risk management of real estate projects.This article is based on the case of Z Trust Company financing A real estate company as the research object,using financial analysis,literature research,field investigation and other research methods,based on the trust plan business process,to study the trust company 's risk management issues,This article analyzes the two major modules of risk analysis and risk control,and categorizes the risk into five major risks: market risk,financial risk,credit risk,liquidity risk and management risk.In the risk analysis module,the five major risks are analyzed respectively,involving Source analysis,sales revenue forecast,repurchase risk analysis,cash flow calculation,etc;for possible risks,the risk control module mainly involves risk control measures such as due diligence,pledges,capital supervision,and assessment arrangements.Finally,according to the risk control situation of the trust company,it puts forward suggestions on the optimization of risk control measures,including setting amortization principal,strengthening engineering supervision,comprehensive due diligence,enhancing the liquidity of trust products,dynamic assessment of trust project risks and enhanced information disclosure.This article classifies and refines the risks through specific cases,analyzes the risks that a real estate trust project may face during the implementation process and uses different risk control methods to prevent and control these risks,and at the same time raises risks for the construction of a comprehensive risk management system Control optimization measures.It has certain reference significance for the risk management of real estate trust projects of other companies in the trust industry in my country.