What are you doing after graduating from trust affairs?
Training objectives:
Trust investment is the investment made by financial trust and investment institutions with their own funds and institutional funds. At present, directly participating in enterprise investment as an investor is a major business of China's trust and investment companies. There are two differences between this trust investment and entrusted investment business.
Trust companies have two major businesses: trust business and inherent business.
The trust business of a trust company is the main business of a trust company, which refers to the business behavior of a trust company as a trustee to promise to trust and handle trust affairs for the purpose of operating and collecting remuneration. There are many kinds of trust business, which can be established in various written forms such as trust contract, will or other written documents stipulated by laws and regulations; The local and foreign currency funds, movable property, immovable property, intellectual property rights and other property rights legally owned by the trustor can be used as entrusted property of the trust business; The purpose of trust can be private trust, other trust or public trust; Trust funds can be used in money market, capital market and industrial fields.
The inherent business of a trust company is what happens when the trust company uses its capital. Trust companies can carry out interbank deposits, loan trade, loans, leasing, investment and other businesses under their inherent business.
The corresponding trust business department is trust business department and inherent business department, commonly known as "front desk". This part of the business personnel generally accounts for more than 50% of the total number of people in the company. They have good communication and learning ability, strong fighting capacity and high efficiency. They are all excellent in IQ and EQ, active in the front line of business, and also the main creators of profit centers and interests of trust companies.
In addition, there are risk control, compliance, operation, finance, audit, manpower and administration. , commonly known as "middle backstage". These departments are all functional departments, mainly responsible for supporting the development of trust business teams and implementing the company's business processes and standards. These businesses are the cost centers of trust companies and belong to the support departments. Their professionalism and speed determine the efficiency of project progress.
Eight types of trust business
1. Creditor Trust
A product that lends money to the other party and agrees on the term and income is a financing trust. Creditor's rights trust accounts for about 70% at present, and the outstanding risk of this kind of business is credit risk.
"Trust should get out of the shadow of the bank. Commercial trusts with insufficient bank credit threshold can do it. Customers can make comprehensive use of various tools, but the business should be clearly classified. "
2. Equity trust
Refers to the equity products invested in various unlisted enterprises, legal persons and economic entities. The main risk of this kind of business is the growth risk of the company, and the profit point is equity appreciation and dividends.
According to the reporter's understanding, at the meeting, the regulatory authorities encouraged trust companies to do equity trusts in the form of investment banks and encouraged investment and loan linkage. At the same time, it is revealed that the problems of real debt of clear shares, real debt of fake shares and maturity mismatch will be the focus of supervision.
3. Bidding Trust
Standard products refer to standardized products, generally securities that can be separated and circulated in the open market, including government bonds, futures, stocks and financial derivatives. The main risk of this kind of business is market risk, and the profit point is price difference and investment income.
For the standard trust, the key points of supervision mainly include two points: first, the sales product manual and information disclosure; The second is the concentration of a single standard, such as the investment share constraint of a single stock and derivative products.
4. Inter-bank trust
Inter-bank custody means that the source and application of funds are in the same industry, mainly including channels, bridges and off-balance sheets. Non-standard products in the same industry considered by the regulatory authorities include loans, short-term financing, wealth management and asset management plans. , can be classified into this category, trust companies can do.
This makes institutional people very excited, and they think it is tantamount to rehabilitating the channel business. "When the economy goes up, trust companies can help banks make channels; If the economic downturn is not good, the trust company can help the bank make a statement. " This is the original words of the regulatory authorities.
5. Property trust
It refers to entrusting the property of non-capital trust to a trust company, and the trust company helps the client to manage, use and dispose of it, so as to maintain and increase the value. This kind of business is the origin of the trust company's "financial management entrusted by others", but at present, the trust company has not done enough in this respect.
"It is necessary to do a good job in property trust as soon as possible, do a good job in registration, and use the legal system to achieve bankruptcy isolation, property independence and intergenerational inheritance of legal property. If the future property rights trust and trust registration company are both done well, the wealth of the Chinese people will not flow out. " Yang Jiacai said.
6. Asset securitization trust
"At present, only trusts can do SPV in credit asset securitization business, which is a business in which trusts can declare sovereignty." Yang Jiacai said that at present, trust companies mainly do securitization of high-quality credit assets, but they can also do bad things.
7. Charitable trusts and charitable trusts
The scope of charitable trust is larger than that of charitable trust, but the legal system of charitable trust is relatively complete. For the first time, the Charity Law has written trust companies into law as a separate legal subject. Charitable trust and charitable trust are things that benefit mankind, and the risk of this business is mainly the misappropriation and occupation of funds.
8. Enterprise Trust
All transactional agency businesses, including financing solutions, financial consultants, accounts receivable and accounts payable, and agency deposits, are transactional trusts. This kind of business needs a professional team to prevent fraud.
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