Risk Analysis And Evaluation Of N Trust Company

China's trust industry has achieved rapid development after six rounds of rectification and rectification and "one law,two regulations".With the return of the principal trust industry,trust companies have expanded rapidly and become the second largest financial asset management industry next to the bank,bringing huge profits to trust companies and complicated risk challenges.Along with the strict supervision of financial institutions by regulators,breaking trust and converting channels has become the primary task of trust companies.In the process of business transformation,as a small and medium trust company,it is not strong in capital strength and limited in business development in the process of business transformation,which makes the business transformation more challenging in the background of the N trust.For the sustainable development of N trust company,the analysis and scientific evaluation of its existing risks become an important work of N trust company's risk management.This paper first analyzes the distribution of inherent assets and trust assets,and finds out the potential risks faced by N company.Secondly,according to the potential risks of trust companies,risk assessment of N company is carried out.This paper uses the analytic hierarchy process(AHP)to construct the risk level index system of the company according to two aspects of system risk and non system risk.It involves 11 qualitative and 9 quantitative indexes,and makes up a judgement matrix according to the experts of the trust wind control department to determine the weight of the index.And through the fuzzy comprehensive evaluation method,the membership degree of qualitative index and quantitative index is determined by different membership functions.The qualitative index is divided by expert scoring method,and the quantitative index selects the 2016 index data of the industry trust company to carry on the regression analysis to determine the point of the critical value of the membership function.According to the membership degree of each index,the company's overall risk level is calculated and analyzed.Finally,according to the results of the analysis and evaluation,this paper puts forward four suggestions on the risk prevention of N trust company: actively improve the active management level to deal with the policy risk,adjust the direction of the business development,optimize the business development structure and resolve the credit risk,the market risk,increase the capital and risk allocation and strengthen the shareholder flow.Sexual support,to resolve the liquidity risk,strengthen the corporate risk management cultural awareness,establish a multi-level risk responsibility mechanism and strengthen risk management technical means to prevent management risk and operational risk.It is hoped that these risk preventive measures can help N trust company develop healthfully and provide some reference for other trust companies.