Research On The Transformation Of Trust Business In China

Since 2007,when the "new two rules" issued by the trust companies not only reinforce the trust business business management,especially on the rapid development of high speed channel.Shortly after the two rules "and" new,coincided with the worldwide financial crisis,the central government in order to keep steady economic growth,a huge investment plan to drive to the investment and promote the development of local government,it provides the trust business development of the soil.Trust companies to seize the opportunity,with dividends preempted channel business market,capture the hottest time letter cooperation opportunities and real estate industry,presents the explosive growth in this stage,and become the second largest financial sector in China.However,although after the "new two rules" trust in the path of the main business operation of the trust business,but also business channel and the type of business as the core,the creditor’s rights provide funds for the infrastructure construction and real estate industry and channel support,both for the push of the trust business is the root cause of the explosive development.In these two hot areas synchronous cooling,trust company is gradually reduced in the concentrate efforts in the field of the two configurations,trust business is not able to with other popular industry in the form of monopoly policy corresponds to,the development of trust business begins to slow down,not with hand in hand with the development of the real economy.And around 2012 as the economy downward pressure increases,growth continued to slow,regulators issued a series of policy of asset management market,and promote financial system from separate operation to mixed operation,contributed to the fierce competition between financial institutions,at the same time,the trust business as a whole from any size or income are declining.The weak development situation also reveals the problems hidden in the extensive development of the trust business,and the business transformation and upgrading is imminent.So in this article,through interpretation of the trust industry in the era of rising background and the uplink,the real reason for the problems arising from the evolution of trust business in the past,at the same time,from the Angle of assets into,the source of assets and the trust function to analyze the structural change of the trust business,parsing bonuses in four trillion planning and system under the background of the trust structure performance,in-depth analysis of the trust business structure and policy background process of interact with each other,they complement each other in combination with since the "new two rules" promulgated the economic structure and industry hotspot rapidly changing cycle characteristics,summarized in the process of the trust company business structure characteristics,thinks the trust business has closely combined with the real economy development potential.According to the study on the change of the trust business structure,the problems exposed during the process of structural transformation are summarized.Understanding the business of trust business helps the trust company locate itself,design the transformation direction of the trust business,enhance the core competitiveness and irreplaceability,and move towards the high-quality business structure.Then this paper studies citic trust actively seeking cross-border cooperation in various fields in recent years,including in its consumer finance,Internet banking,REITs has made the beneficial attempt,and other business direction analysis the transformation of citic trust case.Source and from the trust system,the advantage and the external opportunities and so on,summarizes the development of trust business transformation and the real economy closely with inside and outside the basic conditions,put forward the trust business to private investment banking or asset management,or wealth management class try change direction,and two kinds of innovation of business model.At last,the paper summarizes the content of this paper and expounds the significance of the transformation and development of trust business.