The Research On Risk Management Optimization Of A Trust Company’s Trust Business Under The New Asset Management Regulations

With the promulgation of the Guiding Opinions on Regulating the Asset Management Business of Financial Institutions(hereinafter referred to as the "New Rules"),the original barbaric development of the trust industry is difficult to sustain,the overall risk of the industry has been exposed,trust companies have entered the stage of comprehensive transformation of trust business,and the matching of risk processes and business structures has become a key issue in the trust industry.At present,there are many research results on the risk management of financial institutions and the transformation direction of trust business under the background of the "New Asset Management Regulations",but there is no more research on how companies can establish a matchin g risk management process after the transformation of business.In view of this,this paper takes A Trust Company as the research object,on the basis of introducing the new regulations on asset management and the relevant content of the trust industry,describes the basic situation of A Trust Company and the results of its trust business transformation,and then,based on risk management theory,introduces the risk management status of its trust business,and analyzes the problems existing in the current situation,mainly including insufficient risk identification,low quality and low risk disposal and untimely risk monitoring,the reasons are that the risk identification mechanism is difficult to adapt to the new asset management regulations.The risk res ponse mechanism is not perfect and the risk monitoring mechanism is lagging behind,according to this paper,this paper proposes an optimization plan for the company’s risk management,and improves the safeguard measures of the plan,in the risk identification link,set up a special trust business risk identification position,advance the time point of the risk control center to intervene in the trust business process,clarify and check the information that should be collected in the risk identification link;in the risk response link,introduce a market-oriented disposal innovation model,improve the intelligent collection system;in the risk supervision link,According to the characteristics of the trust business,improve the risk monitoring indicators,establish a dynamic risk monitoring system,and finally aim at the problem of system lag in the entire risk management process and the smooth landing of the guarantee plan,the risk management system can be improved,internal supervision can be strengthened,and technical personnel can be introduced.Through the research in this paper,it is hoped to provide some help for the transformation and development of trust companies,and also provide reference value for the risk management optimization of other companies in the industry.