Research On The Strategy Of Transformation And Development Of A Trust Company Under The Background Of Financial Deleverage

In recent years,while the trust industry has expanded rapidly,it has created problems such as multi-level nesting and shadow banking.The new regulations require compression of multi-level nesting and channel services,which helps to reduce risks and promote financial deleverage.At the same time,the model of relying on the channel business to make large asset scales and earn channel fees is not sustainable,and the development and transformation of the trust industry is imminent.This paper takes A trust company as a case study,and adopts case analysis method,combination of quantitative and qualitative analysis,comparative analysis and other research methods,pointing out that a series of problems faced by A trust company under the background of financial deleverage.The original income channel is limited,which leads to the performance pressure of the trust company and the decline of the scale of entrusted assets.The active management ability of the trust company needs to be improved,and the orientation of serving the real economy needs to be deepened.The paper combines the overall situation of the trust industry and makes an elaboration on the above problems by analyzing financial indicators and non-financial indicators.In response to the above problems,the paper points out the countermeasures that should be taken in the transformation and development of A trust company.First of all,business innovation should be implemented to broaden the source of income,which is reflected in the upgrading of traditional real estate business.A trust company should focus on REITs and urban renewal projects,and develop new trust businesses such as pension trusts,charitable trusts and consumer finance trusts.It could take advantage of the characteristics of trust bankruptcy isolation to serve as SPV in the asset securitization business,and design flexible transaction structure according to the financing needs of enterprises,strengthen risk control while making business innovation.Secondly,it should improve the level of wealth management,provide targeted financial services based on customer needs,and strengthen the active management of entrusted assets in order to return to the origin of "doing financial management for the client".It should broaden the channels of wealth management business,focus on the layout of the wealth center outlets in the first and second tier cities,and meet the overseas asset allocation needs of customers.The group company which A trust company belongs to is a listed company mainly engaged in the financial industry,whose business involves trust,financial leasing,securities,private placement,etc.It should promote the sharing of customers and information resources within the group company,in order to exert synergies.Finally,A trust company should effectively serve the real economy,improve the professional level of the private investment banking business,and promote the adjustment of industrial structure and the development of emerging industries,strengthen cooperation with the largest shareholder of the group company in the industrial field,and build an industrial investment bank.