Job Recruitment Website - Property management company - Dalian kingstar management consulting co., ltd. what about this company? He said that he was engaged in foreign exchange and gold, looking for a clerk, and he had to explore customers himself.

Dalian kingstar management consulting co., ltd. what about this company? He said that he was engaged in foreign exchange and gold, looking for a clerk, and he had to explore customers himself.

What is the way out for Su Peike China Trust Industry?

What is the future of China's trust industry? -

■ Focus on Trust Industry (1) originated from China Economic Times on April 5, 2006.

■ Su Peike

Recently, Zhongbang Trust Industry Association, which has always been low-key, held a high-profile ceremony in Beijing to speculate on how to open an account for spot gold, and held a press conference and discussion on some key topics in the trust industry in the near future. Participants generally believed that the outside world and management did not understand and pay enough attention to the trust industry, and treating the trust industry with the impression of "bad boy" for a long time was not conducive to the far-reaching development of the trust industry.

At this meeting, the person in charge of the trust industry also generally reflected that the current regulatory thinking is seriously lagging behind, and the regulatory policy is based on "stability and no accidents" from beginning to end. At the same time, "one law and two regulations" is too precise and the business rules are not clear. Usually, many problems in the trust industry are solved by "one person catches a cold and the whole industry takes medicine", which is not conducive to the overall development of the industry and seriously restricts the development of the trust industry in China. In addition to complaining, people in the trust industry implore the management to freeze policies, improve laws and regulations, put supervision in place, change separate supervision into efficiency supervision, and supplement public offering with private placement. ...

In view of the slow development of this series of pleading trust industry, the author believes that it is necessary and obligated for the management department to seriously reflect on what kind of supervision it hopes to take and what measures to solve these problems. At the same time, major trust companies should look for reasons from themselves, instead of looking for others, and conduct in-depth inspections on the uncoordinated factors of the industry and their own retrogression, instead of blaming all the responsibilities on the lag of supervision. If the supervision is too advanced and there is too much intervention, it will be unfavorable to the development of the industry. The "policy market" of China stock market is the best example. Due to improper policy intervention in the market, the stock market often gets lost. In recent years, in the reform of the stock market system, we have been constantly emphasizing market norms, so that the troubled China stock market can recover its essence in a hurry and China can speculate in gold. The reform and supervision of the trust industry in China should prevent the old ways of the securities market, draw lessons from mature markets and develop the trust industry in China harmoniously.

From 1979, the domestic trust and investment company in China, Li Jing resumed its trust business. In the past few decades, there have been many problems in the trust industry in China, such as unclear positioning, unclear functions, unclear development direction, unfair system design and chaotic management. In this regard, some analysts believe that this has a lot to do with the lack of supervision. The reason is that the trust industry supervision mainly focuses on the governance functions such as shallow examination and approval, emergency handling of problems, etc., and there are shortcomings and defects in the supervision viewpoint, content and means, ignoring the service functions of industry planning, system construction, supporting policies, risk management, market harmony, etc., which are precisely the commodities with decisive value for the standardized development of the trust industry. Another main reason is that the trust industry in China lacks an authoritative and effective regulatory framework. No matter in the era of national bank or the former CBRC, the functional department of fine management of trust companies is only the trust office under the non-banking department of CBRC. This institutional setup can't meet the subjective needs of trust industry development and supervision in the new period, and it also has a big gap with the main position of trust industry. At present, the smooth construction of trust laws and regulations, the strictness of trust monitoring and management institutions and the lack of personnel and equipment are all disharmonious factors in the development of trust industry in China.

Judging from the problems and requirements reflected in this trust industry meeting, there is little difference from the results of the survey of "All-round Trust in China" in 2005. The problems and suggestions in the development of trust industry can be interpreted as the following aspects: 1. Trust industry self-discipline should strengthen the integrity management of trust companies and trust managers, strengthen professional ethics management, establish the overall awareness of the industry, and protect the public's belief in trust industry; Second, establish the same trust market supervision system to embody the principle of fair competition; Third, 200 private placements of trust products limit the development space of trust business; Fourthly, it is suggested that the supervision department should change the measures of supervising banks to supervising trust and investment companies. Banks and trusts are different in business nature and belong to different supervision objects, so the contents, methods and tactics of requesting supervision should naturally be different; 5. It is suggested to reduce the scale of collection and waste of supervision fees of trust and investment companies; 6. Breaking the trust property registration system; Seven. Propose to deploy a fixed interest payment system for trust products; Eight, improve the trust tax system; Nine, the trust company's marketing channel has hit a big wall, and the trust company has no choice but to establish Lai's brand; Ten, trust companies can not operate in debt, which objectively limits the role of trust and investment companies as financial media, and operating leverage can not play a role, which affects the interest rate of funds; 11. The management regulations of foreign exchange trust business are not clear, which makes it necessary for foreign exchange trust business to have corresponding foreign exchange management regulations in the scope of clients, account opening, settlement, fund utilization, etc., so it is necessary to revise the management delineation of foreign exchange trust business.

For these problems and suggestions, china trustee association hopes to fully expose them, argue and impart skills from different perspectives, so as to attract the attention of relevant management departments and take reasonable measures to solve the objective contradictions in the development of the trust industry. These cries are very necessary, but if the industry policy is really lifted and the pilot project is allowed to be refurbished, how many wild companies can be frustrated? Does the trust company itself adapt to the market-oriented living environment?

Fan Yongsheng, general manager of the trust business headquarters of Neishougu Trust and Investment Co., Ltd., raised an objection in the discussion. The management has let go of all the requirements and demands of the trust industry, and every company may not adapt. Because trusts can't compete with funds when they enter the stock market, and loans can't compete with banks, coupled with the patchwork of managers, the result is that "managing money on behalf of others" has become "collecting money on behalf of others".

Therefore, while the system and legal environment are required to be perfect, trust companies should always reflect and lay a solid foundation. The author once analyzed in the article "Trust industry must be liquidated in addition to strict self-examination" that the current legal environment and system of trust industry in China are not perfect, which leads to the lack of market integrity and frequent financial problems. In this case, perfecting the information disclosure system of trust companies, making public statements, strengthening company management, introducing third-party supervision, and establishing a firewall will help to change the image of trust companies as "bad children", truly safeguard the interests of customers, avoid illegal operations and establish a "blacklist" of industries under the guise of "private placement". Only by publicly and transparently publishing the statements of the trust company can the entrusting party clearly see the flow and operation process of my property, prevent opaque money laundering, profit loss and black-box operation, and clearly identify the degree of the trust company and entrust the funds to honest companies. Trust companies can also compensate sunshine profits in a healthy competitive environment according to the exemption of trust responsibility.

Regarding the transparent operation of the trust industry, Wang Zhongmin, president of china trustee association and chairman of China Credit Trust, thinks that the transparent operation of the trust industry should be a beautiful thing, but the condition is that "public offering is the main thing, supplemented by regulating private placement", breaking through the restrictions of private placement of trust companies and standardizing trust products. At present, the trust industry cannot be completely transparent because of "private placement". Private placement with single product positioning has the defect of flooding, the most important performance is poor source control, and it is easy to transfer risks to society and government in the current environment. At the same time, due to the nature of private placement, it also limits the regulatory pressure from the society, and is restricted in information disclosure and the introduction of external audit, which does not reduce the risk to a certain extent, but increases the risk. In fact, trust is close to "zero risk"

On the basis of standardization and discount, it is the general trend to gradually open up to public offering and transparency. However, if there is a lack of supervision, uneven management, imperfect credit system, long-term "collection of funds" and unauthorized change of the wishes of clients, the "zero risk" business will become a high-risk business. Just like brokers, brokerage business and investment banking business of brokers are on the verge of "zero risk". If you don't misappropriate customers' guarantee funds at will, no matter how depressed the market is, it will not hurt the management situation of drought and flood, nor will it present such a difficult survival situation yesterday.

In this regard, the author used to set up casinos and gambling as examples to compare brokers. Whether the gambler wins or loses is not directly related to the success of the casino. It's nothing more than that there are fewer people involved in gambling, and the business of the venue will be sluggish. In this case, the front should be compressed. Seeking truth from facts, if you don't participate in other activities unrelated to business, you won't lose money. It's just a matter of earning more and earning less. Brokers are like this, and so are trusts.

Therefore, in addition to working hard, adhering to ethics and striving for reasonable policies and interests, the trust industry must also do its part, the standard itself, and strive to expand new categories. return