Optimization Analysis Of Trust Business Of Company B Under The Background Of High-Quality Development

The rapid economic development in the past decade has driven the prosperity of the trust industry.The scale of the trust industry 's assets has ranged from 1.22 trillion in 2008 to 26 trillion in 2018.In just ten years,the scale of assets expanded more than 20 times in ten years,surpassed insurance and securities and became the second in the industry.The development of the trust industry is closely related to economic development.Now that the era of high-quality economic development is approaching,the trust industry should also embark on the path of high-quality development.This article understands high-quality trust business from the regulatory environment and market environment under high-quality development.On the one hand,the strict regulatory environment reflects the existing problems in the trust industry.The sources of trust assets are too dependent on institutions,the business dominance is not strong,the structure is single,and the potential risks of business are increasing.The high-quality development of the business compresses the scale and income of the old trust business from different aspects,so that the trust company can optimize the compliance of the trust business and think about the future.On the other hand,the increasingly open financial market and repeated RRR cuts provide a benign soil for the reform of trust companies and reduce the pressure on the release of risks.The combination of the two brings high-quality development of trust companies 'businesses.Opportunity.However,there are two situations in the trust industry during this reform process.Large trust companies rely on their own capital,talents,and business advantages to quickly adapt to this environment.Some small and medium trust companies have weak businesses and single businesses because of weak capital.Reason transformation is relatively difficult.In view of the above problems,this article uses case analysis method,intends to find specific problems by analyzing case B company's trust business,and then proposes related business optimization measures to solve this problem.The case first describes the relative representation of company B as a small and medium trust company from the aspects of company B's development and trust business characteristics,and then quantitatively analyzes from company B's trust business asset scale,business structure,business income,and business risk.Its shortcomings,combining analysis and supervision and guidance to qualitative analysis,concluded that the specific shortcomings of the company B 's trust business towards high quality are dominant,innovative ability,specialization and differentiation,profitability,and risk control.aspect.Through the above series of analysis,the article proposes measures to increase the source of active management trust from both the capital and product sides in view of the lack of dominance,and proposes to increase capital investment in the introduction of innovative talents and innovative management for the lack of innovative capabilities Measures,aimed at the lack of specialization and differentiation,put forward measures to find the market,customer positioning,and deep cultivation in the real estate field,aimed at the shortcomings in profitability,proposed to serve the wealth goal of high net worth people,focusing on pension trusts,family trusts,equity investment trust In view of the insufficient risk prevention and control measures,it puts forward measures to strengthen risk prevention and control from three aspects: credit risk,market risk,and operational risk.The article concludes by summarizing the full text and making a outlook,suggesting that trust companies should always maintain a sense of crisis to meet industry changes.