Research On Risk Management Of C Trust Company

With the rapid development of China's trust industry,the scale of trust assets has been continuously expanded,and various trust products have penetrated into all aspects of China's economic construction and residents 'financial management.In 2012,the assets of trust management surpassed the insurance industry for the first time,becoming the second largest financial industry after banking,and the fastest growing area in the financial industry.At the same time,with the constant changes of the economic construction environment,the development of trust companies has gradually shown more and more risk management problems.This paper analyzes the present situation of risk management of C Trust Company,finds out its existing problems and puts forward targeted solutions,which provides reasonable basis for risk management of C Trust Company and even the entire trust industry,and promotes the continuous and steady development of the trust industry.To lay a solid foundation for risk management for the construction of a harmonious financial system.This article takes the C trust company as the research goal,starts from the internal control,the trust business risk management and the trust company net capital management three aspects,combines the domestic and foreign enterprise internal control management,the risk management and the capital management research theory and the present situation,uses the theory analysis method and the comparison analysis method.Analyze the risk management of C trust company.First,through the current internal control environment of the C Trust Company,risk assessment,information exchange feedback,supervision and evaluation and correction of the current situation analysis,To find out its internal control environment and management deficiencies,unprofessional risk assessment,inadequate use of information system construction and unscientific risk management.Secondly,we conclude that the risk management level of the C trust company needs to be improved and the bad asset management model is confused through the status quo of the C trust company's business income,the scale of the venture business,and the status quo of the venture management.Finally,the gap between net capital management and industry leader of CITIC Trust is found by comparison with the net capital management of CITIC Trust.Finally,according to the risk management status and problems of the C Trust Company,the paper proposes that if the C Trust Company wants to develop steadily in the current trust industry,it must start by optimizing the control environment,improving the risk assessment system,establishing an internal information sharing platform,and filling the risk supervision defects.Perfect its internal control system;Besides,In the field of trust business risk management of trust company's main business,only by continuously improving the professional ability of business personnel,strengthening the business acceptance audit,implementing the project due diligence procedures,gradually strengthening the ability to manage bad assets,can we standardize the trust business access audit and Daily risk management;Finally,the net capital management system and the index disclosure system are improved to improve the net capital use efficiency.Overall,if trust companies want to continue to operate steadily and consolidate the second largest asset management entity in the financial industry,they must do a good job in internal control,business risk management,and net capital management.In this way,they can meet the needs of the trust companies for a stable business model.Because the trust industry risk management has certain commonalities,the conclusion of the C trust company as the research object also has a certain reference significance for the risk management of the entire trust industry.