1. 信托在银监会备案流程
信托投资公司应当按规定制订本公司的信托业务及其他业务规则,建立、健全本公司的各项业务管理制度和内部控制制度,并报中国人民银行备案。
信托投资公司应当设立内部审计部门,对本公司的业务经营活动进行审计和监督。
信托投资公司的内部审计部门应当至少每半年向公司董事会提交内部审计报告,同时向中国人民银行报送上述报告的副本。
公司年度财务会计报表,应当经具有相应资格的注册会计师审计。
信托投资公司应当按照规定向中国人民银行及有关部门报送营业报告书、信托业务及非信托业务的财务会计报表和信托账户目录等有关资料。
(1)上海银监会辟谣房地产信托扩展阅读
信托理财产品说明这是由信托公司发行的信托计划,银监会对信托产品的监管要分阶段分类别,前期监管一般分为两种,单一信托计划多为报备,即信托公司发行信托产品时将信托产品材料向银监会(银监局、银监分局)报备,集合信托计划多为报批。
即信托公司发行产品时将信托产品材料向银监会(银监局、银监分局)提出审请,待获得批准后方可发行,面向公众发行的信托产多数为集合类产品;中后期管理是信托公司定期将信托产品的运行情况向银监会(银监局、银监分局)报告。
“四三二”规定,具体是指地产商必须“项目四证齐全、企业资本金达到30%、开发商二级以上资质”。
当时银监会还要求进行总量控制,稳中有降,并且对房地产信托业务进行“摸底”,下发《房地产信托业务风险监测表》,重申“事前审批”制度。
银监会对房地产信托再次发力,下发《关于做好房地产信托业务风险监测工作有关事项的通知》,要求各地银监局逐笔监测3个月以内到期信托项目的预期兑付情况,判断兑付风险,并采取相应的措施,做到对房地产信托项目兑付风险“早发现、早预警、早处置”。
2. 信托公司的项目必须由银保监会审批才能实施吗
信托公司是银监会非银行业务部门监管的非银行金融机构。至于如何对信托产品进行监管,我们将根据不同类型的产品采取不同的监管方法和力度。此外,中国银行业监督管理委员会(cbrc)在地方银监会的监督下对本地信托公司进行监管,因此各地的政策也不尽相同
3. “54号文件”对房地产信托的影响显著我想知道该文件为什么是54号,这个54代表什么意思还是按什么排的呀
关于进一步加强房地产信贷管理的通知(银监发[2006]54号),全文详见信托法律网http://www.trustlaws.net/law/List.asp?SelectID=2554&ClassID=107&SpecialID=.
之所以是”54号”,是因为在此之前,银监会在2006年总共发布了53个相关的规范性文件,所以这个进一步加强房地产信贷管理的通知就成了NO.54:)
4. 银监会对信托产品审核的“四三二”标准是怎样的
你说的四三二标准指的是专门针对房地产信托吧。
4代表四证齐全,即国有土地使用证、建设用回地规划许可证、建筑工答程规划许可证、建筑工程施工许可证(第五证是商品房预售许可证);
3代表开发商至少投入30%的自有资金;
2代表房地产开发企业不低于二级资质。
5. 至2015年银监会调查绿城集团信托融资结果怎么样了 word
一是对绿城集团财务状况的担心。银监会此次下文要求信托公司填写的是,与绿城集团及关联企业开展房地产信托业务的调查表,同时,还要根据项目运行情
况注明风险判断意见。之所以监管部门对绿城集团格外“垂青”,是因为自登陆H股以来,绿城每年的年度负债率几乎都不低于140%。而绿城中国2011年中
期报告显示,截至6月30日,公司的净资本负债率为163.2%,较2010年底上升了31.2个百分点。虽然此前绿城集团在高负债率中长袖善舞,从来没
有出现过财务危机,但目前的货币政策迥异于当年,信贷收紧程度也超出以往。显然,负债率如此之高的绿城集团,能否顺利偿还百亿级别的信托合作业务,监管层
不能不忧心忡忡。绿城中国首席财务官曾表示:“在房地产宏观调控的大背景下,公司的销售是受到一定影响,资金紧张是真的,但绝不会出现资金链断裂。”话是
这么说,导致公司资金链断裂的有些因素,又岂是公司自己所能控制?
二是进一步收紧了房地产业的融资渠道。自从商业银行对开发商的信贷大门收
窄后,房地产信托便成了地产业融资的重要渠道。中国信托行业协会的数据显示,截至2011年二季度末,房地产信托业务余额为6051.91亿元,较去年同
期的3153.63亿元增加2898.28亿元,增幅达到91.9%。可见,一方面,今年上半年有更多开发商取道信托融资,使得信托业务金额较之去年出现
了近乎翻倍的增长;另一方面,在资金链普遍紧绷的今年上半年,信托融资确实在缓解开发商资金困难方面发挥了举足轻重的作用。现在,监管部门开始清查信托产
品,监管力度进一步增强,信托融资变得艰难,房地产企业的资金链将变得更加紧张。如果楼市调控政策和信贷政策保持不变,接下来的时间里,资金实力将直接影
响开发商的生死存亡。
三是对房地产业的前景态度谨慎。经过数月的限购,房地产市场销售异常疲软;交易冷清,成交清淡,即便在传统的楼市销售
旺季“金九银十”,也不例外。问题是,货币政策基调未见任何转向,限购范围只见扩大未见缩小……诸如此类的政策环境,使监管部门对未来楼市的总体走势表现
出谨慎的态度,表现为:如果楼市销售继续延续目前的状态,开发商资金链断裂的风险将急剧增大,偿债能力将面临考验。一旦开发商无力偿还债务,风险将会通过
信托违约迅速传导给投资者,进而形成威胁经济稳定运行的债务危机。因此,在楼市前景总体趋淡的大背景下,监管部门通过信托公司对开发商的债务偿还能力进行
摸底,对信托融资的风险进行评估,显示的正是对楼市前景不甚乐观,以及对潜在债务违约风险的未雨绸缪。
6. 银监会下发了《信托公司房地产信托业务风险提示的通知》,为什么这么急啊
展恒理财认为以上监管政策均在情理之中,投资者应保持平和的心态,理性地对待。
首先,我们要了解监管部门出台新的监管精神的真正内因。我们先看一组数字,据统计,截至2010年10月31日,全国信托公司自营资产合计1351.4亿元,负债合计179.96亿元,所有者权益合计1171.44亿元。管理的信托资产合计30103.71亿元,已经跨越3万亿元大关,与2004年末2102亿元的信托资产规模相比,在不到六年的时间里增长近15倍。显然信托业这几年快速发展,但与其相对应的风险管控却相对滞后。与此同时信托行业经营模式多属粗放型,有些规模较小的信托公司为寻求发展,积极扩张业务,对投资项目审核不严,滥竽充数的情况时有发生,极大扰乱了信托业持续快速发展。同时,当前国内经济形势比较复杂,通胀压力较大,流动性相对过剩。在这种内外部共同作用下,监管层出台以上措施,主要目的也是规范信托业健康发展,防范流动性风险和系统性风险,这也符合当前国内经济政策大方向,无可厚非。
其次,对于信托业中的房地产信托来说,监管层的调控力度更大。监管部门不仅把房地产信托业务的风险资本计提比例提高到3%(最高级),还专门发通知要求信托公司针对房地产信托的合规性风险检查和自查。仔细想来,也能理解。自国家出台房地产调控新政以来,房地产公司的银行融资渠道被掐得很死,众多资金量紧张的地产公司纷纷涌向信托产品,为房地产公司赢得了一口喘息的机会。由于房地产信托产品收益率较高,接受范围较大,因此发行速度很快(房地产信托产品规模占信托产品总规模的比率由年初的10.3%激增到三季度末的13.4%),但如此高的发行速度必然导致产品鱼龙混杂,系统性风险也随之增大。在这个时机,监管层出台针对房地产信托的相关政策也在情理之中,这也是配合国家调控房价的措施之一。
如此一来,我们是否能理解为监管层确实要掐死房地产信托呢?答案是否定的。我们承认监管层确实在打压房地产信托,但却并不是叫停,只是限制。投资者针对房地产信托保持谨慎的态度是必要的,房地产信托的整顿甚至整个信托业的转型势在必行,也许转型过后,房地产信托会迎来更加蓬勃的发展。
7. 银监会对信托产品审核的 四三二 标准是什么
“四三二”规定,具体是指地产商必须“项目四证齐全、企业资本金达到回30%、开发商二级以上资质”。当时答银监会还要求进行总量控制,稳中有降,并且对房地产信托业务进行“摸底”,下发《房地产信托业务风险监测表》,重申“事前审批”制度。
银监会对房地产信托再次发力,下发《关于做好房地产信托业务风险监测工作有关事项的通知》,要求各地银监局逐笔监测3个月以内到期信托项目的预期兑付情况,判断兑付风险,并采取相应的措施,做到对房地产信托项目兑付风险“早发现、早预警、早处置”。
8. 请英语高手翻译一篇文章,关于房地产信托投资的。。。
Recently, Shanghai Pudong's first Real Estate Investment Trust REITs market will soon hatched have aroused concern. In the previous discussion of the many versions of finally adopted a "central banks - China Banking Regulatory Commission" version, most likely, once the program is approved, the first major REITs to raise the object will be the institutional investors, in the form more similar to the one closed-end private equity real estate investment.
"Central Bank - China Banking Regulatory Commission" version of the lead recent media, the "Shanghai Edition" program of the REITs have been submitted to relevant departments in Shanghai, and eventually the program reported more than one. First, for the Pudong New Area in the drafting of the "Central Bank - China Banking Regulatory Commission" program, involving Jinqiao Group, Waigaoqiao Group, Zhangjiang Group and the Lujiazui Group's four major state-owned property resources, through the inter-bank market issues; the 2, using the central bank-led model of "Lujiazui program", the program is designed by the Lujiazui Group,
Involved in Lujiazui Group's three buildings --- including the Standard Chartered Bank Building, Lujiazui Software Park, the two office buildings; the last one is the "SFC Edition" program, using exchange market issues.
Analysts said that as the China Banking Regulatory Commission and the Central Bank had drawn up "a collection of real estate investment trust business management approach to the pilot," is nearing completion, China's first REITs a "Central Bank - China Banking Regulatory Commission" version is most likely. "Management Measures" provides, REITs will be established by law as a trustee of the trust institution, through the public offering of trust units of the establishment of a collection of real estate investment trusts. The specific operation path is: China Banking Regulatory Commission will be entrusted to institutions to apply the trust issue, have been approved, upon application of the trustee, the PBC approved, the Trust units can be issued at the national inter-bank market. Trust Schemes funding to implement security controls,
Depository of funds established by law and obtain the appropriate qualifications kept as a commercial bank.
According to the definition drawn up, "the central bank - China Banking Regulatory Commission" version of the program, Jinqiao Group, Waigaoqiao Group, Zhangjiang Group and the Lujiazui Group will provide annual rental income of up to 470 million yuan of property, the future of these properties 10-year rental income right "package" to establish a trust, and then commissioned by the lead underwriter for the issuer, in the inter-bank market to meet the requirements of institutional investors for the trust's rental income certificates, raising total funding will reach 3.5 billion. To ensure a smooth distribution, the Pudong New District Government has invited China International Capital Corporation served as lead underwriters and underwriting agreement the balance of the Central Capital Corporation.
Instry experts said that with the previous "SFC" version of REITs in comparison, "the central bank - China Banking Regulatory Commission" can circumvent a number of challenges, such as legal, tax barriers. The SFC version is to package the property market, but how to solve the liquidity of the proct and proct of double taxation of dividends have not yet complete solution. According to the "management approach" draft, the future listing of REITs more akin to a closed-end private equity real estate investment funds, in the inter-bank market issued by the Agency subscription and fund-raising for the main direction of investment in mature properties. Trust income distribution, at least once a year,
The institutions hold a period of not less than 12 months.
Looking forward to the domestic market, the first REITs Real Estate Investment Trust, is a securitization of the instrial investment fund, which benefits by issuing shares or certificates, to attract public funds from investors.
Benefit the Trust, principal analyst with the studios, said Li Yang, because REITs to the general provisions of the relevant real estate 90% of the rental income as a dividend, it has been regarded as a focus on dividend returns, and such investment procts ----- procts, diversification of investment for investors to fill on a short-board significant.
In fact, the domestic trust companies began to explore the early REITs mode of operation. Under the current real estate trust procts, not only to real estate development and construction loans for projects in the trust category, there is a class of the trust funds to buy real estate in all or part of the property to gain income by the real estate business interests of the Trust, the latter is a quasi-REITs. "REITs are actually class-based real estate investment trust fund plan, such procts had emerged as early as 2005, but the proct since last year, REITs are increasingly accepted by investors, so classes start REITs touted proct." Li Yang said that since last year,
Berry Trust and Beijing launched a series of separate trust funds based real estate investment trust procts are more representative.
At present many local governments are actively promoting the REITs, Beijing, Shanghai and Tianjin, REITs are likely to become the first batch of pilot cities. Shanghai Financial Services Office of the relevant responsible person said that the current program of Pudong REITs need to wait for the approval of the Central ministries and commissions, in obtaining a clear answer before the Shanghai need more preparation.哈哈,爱词霸真好用,我告诉你爱词霸的网
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9. 信托不是银行业机构为什么要受银监会监管
信托的监管机构是银监会,是由于其业务模式的本质决定的
1、信托的角色没有承内担起容管理人的角色,更多的为影子银行,尤其是单一资金信托,充当了银行表外的业务。
2、信托的业务多为信贷业务,尤其是政府平台及地产项目,是信托资产的主流
补充:信托的监管问题,一直是监管层比较头痛的事,信托的主动管理能力不够,资产证券化的业务也还没完全起来,还有很长的路要走