Workflow
预付类资金服务信托
icon
Search documents
红利逝去,1.6万信托人“寻锚”
经济观察报· 2025-08-20 06:01
Core Viewpoint - The trust industry is undergoing a significant transformation due to regulatory changes, moving from a reliance on non-standard financing to a focus on standardized asset management, which is essential for the industry's healthy development [1][3][10]. Group 1: Industry Transformation - The trust industry has shifted from traditional business models, such as non-standard financing, which previously accounted for over 90% of revenue, to a more diversified approach where these models now contribute less than 50% [2][10]. - New regulations, such as the "Trust Registration Business Guide," emphasize the need for trust companies to adopt a combination investment approach, marking the end of reliance on single financing models [2][10]. - The industry is transitioning from being "quasi-credit intermediaries" to "true asset management institutions," which will enhance the service attributes of trust companies [10]. Group 2: Financial Performance - The average revenue of 57 trust companies in 2024 was 1.109 billion yuan, a decrease of 17.89% from the previous year, indicating ongoing challenges in the industry [26]. - The revenue from traditional non-standard financing has been declining, with the management fees for such services dropping significantly, leading to reduced profitability for trust companies [15][26]. - The total assets of the trust industry reached 29.56 trillion yuan by the end of 2024, with real estate trust funds dropping to 840.2 billion yuan, marking a historic low of less than 4% of total assets [13][14]. Group 3: Employee Dynamics - The number of employees in the trust industry has decreased to approximately 16,000, with 54.39% of companies implementing layoffs, reflecting a trend of industry contraction [19][21]. - The workforce in the trust sector has shrunk from over 22,000 in 2021 to about 17,563 by the end of 2023, indicating a significant reduction in personnel [20][21]. Group 4: New Business Opportunities - Trust companies are exploring innovative business models, such as prepaid fund service trusts, to address consumer issues and enhance service offerings [5][26]. - The establishment of new departments focused on securities and special asset management reflects the industry's shift towards more specialized and diversified services [24][25]. - The need for professionalization and refined management practices has become crucial as the industry adapts to new regulatory environments and market demands [28][29].
专业是信托业的立身之本
Jin Rong Shi Bao· 2025-08-08 07:52
信托,曾被认为是高净值人士的专属。无论是百万元的起购门槛,还是上千万元的家族信托,都给 人一种"高冷"的印象。在信托业以及一些信托公司迅速发展的同时,资金池运作、通道业务风险频出, 也埋下了刚性兑付等发展隐患。面对行业风险,监管利剑果断出手,一系列引导行业规范发展的政策出 炉,转型也成为信托公司生存的必由之路。 在转型要求下,服务是当前信托业的主要着力点。从信托业数据看,服务信托规模已占据约半壁江 山。也正因为服务,信托制度以及信托公司的社会价值不断得以彰显,越来越多的百姓发现,信托原来 多种多样,能做的事非常多。例如,社会上有以保障未成年人、心智障碍者、生活不能自理的残障人 员、失能失智老人等特殊需要人群为目的的特殊需要信托;破解预付费管理难题的预付类资金服务信 托;在物业服务中引入信托制度的物业管理服务信托;将不动产作为信托财产,从而使得资产盘活的不 动产信托;还有上海近日发布的国内首个取水权行政管理服务信托等。 近日,国家金融监督管理总局就《信托公司管理办法(修订征求意见稿)》公开征求意见。这份涉 及77项条款的制度方案之所以受到各方关注,不仅是因为修订时隔18年,还因为这是一个事关27万亿元 市场的基 ...
依托浦发银行集团协同资源,上海信托积极践行“金融为民”担当
Guo Ji Jin Rong Bao· 2025-07-04 12:42
Core Insights - Shanghai Trust, a key member of SPDB, has been serving national strategies and the real economy since its establishment in 1981, and is now a leader in family service trusts in China [1][2] Group 1: Wealth Management and Trust Services - China has become the world's second-largest wealth management and asset management market, shifting the focus from availability to quality in wealth management services [1] - Shanghai Trust has accumulated approximately 2,000 family service trust cases, with a total scale of about 3 billion yuan, ranking first in market share nationwide [1] - The company has launched the first "cash + real estate" family service trust in the country, broadening access to trust services for ordinary families [2][3] Group 2: Innovation in Trust Products - Shanghai Trust is actively innovating in various trust areas, including real estate trusts, special needs trusts, elderly care trusts, and intellectual property trusts [2] - The company has developed a unique elderly care service trust account to address issues related to wealth transfer and care for the elderly [3] - A special needs trust has been established to provide comprehensive services for vulnerable groups, integrating various assets and social resources [3] Group 3: Support for Innovation and Consumer Protection - Shanghai Trust has collaborated with local institutions to create the first corporate-operated intellectual property service trust, enhancing clinical innovation and commercialization [4] - The company has introduced a prepaid funds service trust to manage consumer prepaid funds, ensuring financial separation and protection against merchant insolvency [6][7] - The risk disposal service trust, established to address project crises, has a scale exceeding 4 billion yuan, demonstrating the company's commitment to safeguarding creditor rights [7]