我国信托业发展的制约因素及其对策建议

Restricting factors in the development of Chinese trust industry and relevant countermeasures

信托业是近20多年来兴起的一个新兴行业,信托、银行、证券、保险被称作金融业的4大支柱。在我国信托业更偏向于向百姓推销理财产品,主要原因是从业人员的专业素质不高所造成,并且更多人比较愿意将资产投向于银行的理财产品,即便是银行的理财模式,如:"T+1""T+2"模式,大部分理财产品的收益率都低于信托产品。当今的金融衍生品,如"余额宝""PTOP"等对信托业的发展也带来一定的影响。根据《信托法》的有关规定,阐述我国信托业发展的基本状况;剖析信托业发展的制约因素;在学习借鉴国外成功经验的基础上,提出推进我国信托业健康发展的对策建议。

Trust business is an emerging industry in recent twenty years.Trusts,banks,securities and insurance are known as four pillars of the financial sector.Trust business in China prefers to sell wealth management products to the people,the main reason is that the quality of the professionals is not high,while more people are willing to invest their assets in the bank’s wealth management products,that is,the bank’s financial management modes such as“T+1”and“T+2”,but their yields are lower than those of trust products.Today’s financial derivatives,such as“Yuebao”and“peer-to-peer”have exerted some influence on the development of trust business.According to the relevant provisions of the trust law of China,this paper expounds the basic development of Chinese trust business,analyzes the relevant restricting factors,and proposes suggestions and countermeasures for promoting the healthy development of Chinese trust business on the basis of learning from the successful experience in other countries.