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信托作为当代金融的一个重要分支,对当前中国的市场经济的发展起着举足轻重的作用。据统计,截止2012年年末,中国的信托资产规模已经达到7.47万亿。信托行业跃升为当前仅次于银行业的第二大金融机构。“受人之托,代人理财”的理念也逐渐的被投资者了解。当前在国内信托的主要信托业务有贷款融资类信托业务、投资类信托业务、受益权转让及资产证券化业务等,其中贷款资金类信托业务占据绝大一部分。本文浅析了当前国内贷款资金类信托业务的发展现状,其中包括贷款资金类信托业务的定义、特点、存在的风险以及当前的现状和今后的发展。
As an important branch of contemporary finance, trust plays a decisive role in the development of China’s market economy. According to statistics, as of the end of 2012, China’s trust assets have reached 7.47 trillion. The trust industry jumped to the second largest financial institution after the banking sector. “Managed by the people, on behalf of financial management,” the concept is gradually being investors to understand. Currently, the major trust businesses in domestic trusts include loan financing trust business, investment trust business, transfer of beneficial interest and asset securitization business, among which loans and funds trust business occupy a large part. This article analyzes the status quo of the development of the domestic trust business of loan funds, including the definition, characteristics, risks and the current status quo and future development of the trust business of loan funds.