Research On Innovative Service Of ABN With Loan For Purchasing House Of S Trust Company

Recently,in China,trust industry has developed rapidly and the assets of the trust being managed run into twenty trillion at the end of 2016.Then,with rapid development,the trust industry is also faced with the external environmental challenges,such as macroeconomics in three superimposed period,increasingly strengthened financial supervision,and in-depth financial liberalization.At the same time,there are various problems such as traditional products with high-yield and low-risk,attaching importance of size instead of management,paying importance to credit business and channel business.As a result,the trust industry have fallen into the dilemma of lack of growth.With increasingly tight real estate policy,as an important source of income of Trust,the real estate business should be transformed form conventional pattern to a new scenario.Because the transition and innovation of the real estate business is key to the transition of Trust companies,it is necessary and significant to explore the direction and path of innovation.In this thesis,on the general,references analyzing and case-study method were made to conduct research on the real estate business innovation of the S trust company.This is not only an exploration of the main direction and path of future innovation of the S trust company,but also contributes to the sustainable development and strategy of the company.Meanwhile,some guilding idea were provided by this thesis to developing trust industry and financial system.And the future development trajectory and strategic direction of Chinese trust industry can be displayed in this thesis.Therefore,it has important practical and theoretical values.Finally,it is concluded that in order to innovate in trust business,S trust companies must adhere to the trust's return to origin,continuously develop innovative businesses such as consumer trusts,charitable trusts and asset securitizations,and make rational use of the development of the Internet to achieve a curve overtaking.Combining the company characteristics and resource strength of S Trust Company,this paper proposes ABN with account receivable of house purchase as underlying assets,as S trust company innovation businesses that can be piloted.Also,Analysis about its current situation and future development strategy have been made in this paper.With company characteristics,the trust business innovation scheme designed in this paper is based on the development situation and conditions of the S trust company.Also,it has reference for the entire trust industry.The paper is mainly divided into three parts.The first two chapters of the thesis are the first ones.It mainly introduces the background,significance,selected topics,research methods,related concepts and literature review.The second part consists of the third and fourth chapters,which mainly introduce the basic situation of the research subject S trust company,the necessity of innovation and analysis on ABN's development.The third part is the main part of the company's trust business innovation program,including chapter 5 and chapter 6,which mainly analyzes in detail the innovative business of house purchase receivable assets supporting bills.All parts of the paper are connected with each other,and the opportunity,reason and research results of S trust business innovation scheme are introduced.The various parts of the paper are linked to each other and introduce the opportunities,causes,and research results of the formation of the innovation plan for the trust business of the S trust company.