编者按/农历春节将近，哪家机构年终奖荷包最鼓？谁才是金融业真正的“高富帅”？2012年狂飙的信托业作为金融新贵，成为金融业界“羡慕嫉妒恨”的对象。而与信托业资产规模旗鼓相当的保险却进入艰难发展期，寿险与财险年终奖也冷热不均。

Editor's note/the Chinese lunar New Year nearly,Which agency award pouch the most drum?Who is the real financial industry"GaoFu handsome"?2012 hurricane of trust industry as a financial priority,Become the financial industry"Envy envy hate"object.And trust business asset scale grudge insurance but into the difficult development period,Life insurance and property is uneven and award.

　　信托：“年终奖超50万元很正常”

trust:"Award over RMB 500000 yuan is very normal"

　　得益于信托资产规模爆发式增长，信托公司员工年终奖赚得盆满钵满。

Thanks to the trust assets scale explosive growth,Trust company employee award earn piles.

　　“从业内朋友交流的信息来看，年终奖税前收入超过50万元很正常，”北京某信托公司的内部人士透露，“有些业绩做得好的信托经理收入比董事长还高。”

"From friends in communication of information to see,Year-end bonus income before tax of more than 500000 yuan is very normal,"Beijing a trust company internal sources,"Some performance a good trust manager income than the chairman is still high."

　　值得注意的是，随着泛资管时代的来临，面对基金、券商、保险等机构越来越激烈的围攻，信托业的高速增长是否可以持续，丰厚的年终奖如何HOLD住，成为新年里信托人亟待思考的问题。

It is important to note that,With the advent of the information age tube pan,In the face of the fund/brokers/Insurance institutions such as more and more fierce siege,Trust industry growth could continue,Rich award how to HOLD live,As New Year trust people to be thinking about the problem.

　　金融行业里的“高富帅” In the financial industry"GaoFu handsome"

　　2012年各信托公司公布年报后，预计全行业平均薪酬将超过60万元，再度创下新高基本没有悬念。

In 2012 the trust company announced after the annual report,The industry is expected to average salary of more than 600000 yuan,Again hit a record high basic no suspense.

　　在过去的2012年，由于市场整体表现不佳，金融行业大多延续低迷的景况。券商日子尤其难过，2012年前三季度114家公司中有27家亏损，众多证券公司掀起裁员风暴，降薪几乎不可避免。对于基金业来说，一些公司甚至辞退核心部门的投研人员，薪酬降低将是大概率事件。如此一来，赚得盆满钵满的信托公司俨然成为了金融业的“带头大哥”。

In the past 2012 years,As the market overall poor performance,Most of the financial industry continued downturn situation.Brokers day especially sad,2012 years ago in the third quarter 114 companies 27 home loss,Many a securities company layoffs storm,A pay cut almost inevitable.Funds for it,Some companies even dismiss the core department personnel for research,Lower salary will be big probability event.so,Earn piles trust company has become the financial industry"Lead the eldest brother".

　　方正证券(601901,股吧)1月16日发布的公告显示，方正东亚信托的资产负债表中，2012年应付职工薪酬高达7893.45万元，比2011年的2904.37万元大幅增加一倍以上，而其员工仅有107人，人均薪酬高达73.77万元，比2011年的36万元翻了一倍还多。

Founder securities(601901,guba)On January 16, issued announcement,Founder of east Asia trust balance sheet,2012 deal with worker firewood is as high as 78.9345 million yuan,More than 2011 yuan more than twice increase,And the staff only 107 people,Per capita salary is as high as 737700 yuan,More than 2011 yuan more than doubled.

　　据了解，信托公司业务人员的年薪包括固定薪酬和浮动薪酬两部分，固定部分的平均月薪为1万～2万元，浮动薪酬部分在年终发放，主要是根据项目提成和进度来计算。

It is understood,Trust business personnel salary including fixed salary and floating salary two parts,The average monthly salary of the fixed part for 10000 ~ 20000 yuan,Floating salary at the end part of the issue,Mainly according to the project commission and progress to calculate.

　　上述北京某信托公司人士表示，大部分信托公司已经发放了年终奖，其所在公司多数部门也已经发放。比较而言，业内年终奖收入比较高的当属中诚信托、安信信托(600816,股吧)、四川信托和陆家嘴(600663,股吧)信托等业务扩张很快的公司。“有个同行年终奖税后是45万元。还有一个刚去了一两个月，没做什么项目，（年终奖）就拿了20万元。”

The Beijing some trust company officials said,Most of the trust company has issued award,The company most department has also issued.In comparison,The year-end bonus income is higher, when is the "feel/Access trust(600816,guba)/Sichuan trust and lujiazui(600663,guba)Trust business expansion of the company soon."A peer award after tax is 450000 yuan.There is a just went to a couple of months,Don't do what project,(award)With 200000 yuan."

　　他透露，对信托公司的前台人员而言，年终奖是年收入的大头。主要是根据项目利润运用相应公式进行计算，项目风险系数和进度是很重要的指标。“政信类、股票融资类、矿业和房地产，根据风险不同，项目提成不同，一般是收入的25%～35%。通道类业务的利润很低，所以做这类业务的项目经理多是以量取胜。项目提成会扣除税和风险资本按照团队进行发放。项目清算时，收入会高些，因为不用预留风险准备金了。”

He revealed,The trust company for the receptionist,Award is the annual income of big head.Mainly according to the project profit by using the corresponding formula for calculation,Project risk coefficient and the progress is very important indicators."Administration believe class/Stock financing class/Mining and real estate,According to the different risk,Project commission different,The general is income of 25% ~ 35%.Channel class business profit is very low,So do this kind of business project manager on quantity to win.Project commission will deduct tax and venture capital distribution according to the team.Project liquidation,Income will be higher,Because there is no reserve the risk reserve."

　　业内人士预计，在2012年各信托公司公布年报后，预计全行业平均薪酬将超过60万元，再度创下新高基本没有悬念，一些业绩优异的公司，人均薪酬将突破百万元。信托业从业人员薪酬与其他金融子行业之间的差距将进一步拉大。

The personage inside course of study is expected to,In 2012 the trust company announced after the annual report,The industry is expected to average salary of more than 600000 yuan,Again hit a record high basic no suspense,Some outstanding performance of the company,Per capita salary will break one million yuan.Trust industry employees compensation and other financial fruit industry will be further widened the gap between.

　　高薪源于高增长 From high growth

　　2012年三季度末数据显示信托行业人均利润达到202万元，这一数字足以让所有行业艳羡。

In 2012 at the end of the third quarter data showed that the trust industry profit per capita reached 2.02 million yuan,This number is enough to let all industry envy.

　　信托业的高薪酬来源于其更高的利润。中国信托业最近两年的增速令人咋舌，2012年受托资产规模直逼7万亿元大关。高增长的不仅是资产规模，信托公司的盈利能力同样不容小觑。

Trust industry high salary from the higher profit.China's trust industry over the past two years the rate of growth of a be left speechless with wonder or fear,The entrusted assets in 2012 matches the scale of RMB 7 trillion yuan.The growth is not only the asset scale,Trust the profitability of companies also not allow small gaze.

　　据了解，中信信托2012年净利润预计将达到30亿元，对比其他券商业绩快报，这一成绩很可能高于除中信证券(600030,股吧)之外的其他券商。

It is understood,Citic trust 2012 net profit is expected to reach 3 billion yuan,Compared with other brokers performance express,This performance is likely higher than in addition to citic securities(600030,guba)Other than the brokers.

　　此外，信托业净利润的高增长已经在上市信托身上得到了印证。陕国投1月10日发布2012年度业绩快报显示，2012年实现营业收入5.76亿元，同比增加89.31%；归属上市公司股东的净利润为2.6亿元，同比增加68.86%。经纬纺机(000666,股吧)也发布了其持股36.6%的子公司中融国际信托2012年度经营数据，主营业务收入37.14亿元，比上一年增22%；录得税后净利润15.24亿元，增长44.7%。

In addition,Trust industry net profit growth has been listed on the trust has been confirm.Shaanxi international trust &investment 1 October, released 2012 annual performance express display,2012 years to achieve business income is 576 million yuan,Increased by 89.31% year-on-year;Belong to the shareholders of a listed company's net income for 260 million yuan,Increased by 68.86% year-on-year.Jinwei frame(000666,guba)Also released its holding 36.6% of the company integrated with international trust 2012 annual business data,Main business income is 3.714 billion yuan,Increased by 22% than that of the previous year;Record $1.524 billion net profit after tax,Growth of 44.7%.

　　事实上，根据中国信托业协会去年三季末公布数据显示，截至2012年三季末，信托业利润总额已达288亿元，直逼2011年298亿元的全年数据，同比增幅约57%。而曾经风光无限的证券行业虽然2011年净利润就达到394亿元，但经历了2012年的此消彼长，业内人士预计2012年信托业净利润或将超过证券行业。

In fact,According to China's trust industry association announced last three season data display,By the end of 2012 three season,Trust industry profit has reached 28.8 billion yuan,Close to 2011 yuan of annual data,About 57% year-on-year growth.And once scenery infinite securities industry although 2011 net profit of about 39.4 billion yuan,But after 2012 years of liquor,The personage inside course of study is expected to 2012 net profit or trust industry will be more than the securities industry.

　　虽然上述数据仅是每季末即时更新的协会数据，信托公司2012年报还未公布，但最终的数据应当相差不多。50%的净利增幅也得到了多位业内人士的认同，“一些中小信托公司业务调整更加灵活，可能增幅会更高”。

Although the above data is only every season of updating the data association,Trust the company 2012 annual report has not been announced,But the final data should be phase almost.50% of the net profit growth also got many the personage inside course of study of identity,"Some small and medium-sized trust company restructuring, more agile,May increase will be higher".

　　对于2012年信托业净利润的高增长，一位大型信托公司人士分析称，2011年成立的项目大多还在存续，利润多反映在2012年。在此基础上，去年信托规模继续保持了高增长，尤其是基建类的快速增长。

In 2012 net profit growth of trust industry,A large trust analysts say,Established in 2011 projects in most surviving,Profit more reflected in 2012.On the basis of,Last year the trust scale have maintained high growth,Especially the infrastructure of the rapid growth of the class.

　　信托业超强的盈利能力更是体现在人均利润方面，中国信托业协会2012年三季度末数据显示，人均利润达到202万元，这一数字足以让所有行业艳羡。仍以龙头中信信托为例，若2012年实现30亿元净利润，全公司人员仅为400人左右，其人均利润将高达800万元。

Trust industry strong profitability is reflected in the per capita profit aspects,China's trust industry association in 2012 at the end of the third quarter data display,Per capita profit reached 2.02 million yuan,This number is enough to let all industry envy.Still with leading citic trust as an example,If 2012 years to achieve 3 billion yuan net profit,All company staff is only about 400 people,The gross profit will be as high as 8 million yuan.

　　不过，业内人士表示，随着政策对基金、券商和期货开展资管业务的逐步放开，这些机构允许开展类信托业务，加上年前四部委规范地方融资平台意见的出台，信托部分业务会被其他机构分羹。

but,The personage inside course of study says,With the policy of fund/Securities and futures in endowment tube business gradually let go,These institutions allow in trust business class,In the first four ministries and commissions and regulating local financing platform opinions come on stage,Trust some of the business will be other institutions points soup.

　　“信托业过去几年发展迅猛，一方面得益于经济的发展，但更重要的是制度红利，当其他机构都可以开展类信托业务时，信托业务的边界也就日渐模糊，尽管目前来看，信托业还有增长的空间，但是类似去年的高速发展将难以再现。”前述信托人士表示。

"Trust industry is developing rapidly in the past few years,On the one hand benefit from the development of the economy,But more important is bonus system,When other organizations can carry out kind of trust business,The boundary of the trust business is increasingly fuzzy,Although so far,There is also room for growth industries,But similar to last year's high speed development will be difficult to reproduce."The trust people said.

　　不少业内人士已感受到信托行业正面临的种种不确定性。“公司一个同事最近跳槽去了北京一家基金公司子公司，他们给的固定收入部分略高，职业的上升空间也更好。”该信托经理表示。

A lot of the personage inside course of study already feel trust industry is facing all kinds of uncertainty."A colleague recently moved to Beijing a fund company subsidiary,They give fixed income part slightly high,Professional rise space also better."The trust the manager said.