当前,我国经济正经历从高速增长向高质量发展的结构性转型,资产管理规模仅次于银行业的信托业风险集中暴露。在此背景下信托公司开展业务,需要做好“增量稳健展业+存量风险化解”双轮驱动。本文结合笔者风险资产处置实践,基于行业选择、主体选择及抵押物选择三个风险案例,分析总结规律,提出解决方案,并为前端业务资产筛选提供参考。
<<The China’s economy is going through the structural transformation from high growth phase to high-quality phase,under which circumstance,the trust industry witnesses the clustering of credit-risk events. Managers of the trust companies are supposed to operate business steadily on one hand and dissolve the risks on the other hand. In this paper,three typical risk cases are studied and possible solutions are proposed,from the perspective of selection of industry,of counterparty and of mortgaged asset.
<<Keywords: | Risk Capital RatioSelection of IndustrySelection of CounterpartyIntegrity of Mortgaged Asset |