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2007年银监会颁布了《信托公司管理办法》,随着这一法案的出台,一法两规的完善使得信托公司在法规政策上有了更多的约束。近年来我国金融市场的不断借鉴国外先进经验,发展之快锐不可挡,对信托公司而言,是机遇更是挑战。面对商业银行的委托贷款、基金管理公司的证券投资基金、证券公司的集合理财以及投资管理公司私募基金的蓬勃发展,信托公司在巨大的压力之下仍具有优势。如何对信托自身准确定位、设计出符合信托特征并且能迎合市场需求的产品是信托公司当前必须解决的问题。本文旨在结合国内外信托市场的发展、分析当前信托市场的产品需求,找出信托公司今后的产品开发重点和发展方向,提出有利于其发展壮大的建议。
In 2007, the CBRC promulgated the Administrative Measures on Trust Companies. With the introduction of this act, the perfection of one law and two regulations has made the trust companies more restrictive in their laws and regulations. In recent years, China’s financial markets continue to learn from advanced foreign experience, the rapid development can not be stopped, the trust company, the opportunity is more challenging. In the face of the entrusted loans of commercial banks, the securities investment funds of fund management companies, the collective management of securities companies and the private equity funds of investment management companies, trust companies still have advantages under enormous pressure. How to accurately locate the trust itself, to design a product that meets the characteristics of the trust and can meet the needs of the market is a problem the trust company must solve now. The purpose of this paper is to combine the development of trust market both at home and abroad, analyze the demand of the current trust market, find out the focus and development direction of the trust company’s future product development, and put forward suggestions that are beneficial to its development.