浙江中小企业融资中的资产证券化模式研究

发布时间：2017-12-31 23:19

本文关键词：浙江中小企业融资中的资产证券化模式研究　出处：《浙江大学》2014年硕士论文　论文类型：学位论文

【摘要】：浙江省中小企业的融资困境严重阻碍了中小企业的整体发展和转型升级,探索如何通过金融创新破解中小企业融资难具有重要意义。资产证券化作为一种重要的金融创新,具有风险隔离和转移、提升资产流动性和信用创造等功能,已经在国际市场的实践中取得了巨大的成功。本文从浙江省中小企业的发展和融资现状出发,以资产证券化的一般原理为基础,从规范分析和案例分析两个层面对资产证券化应用于浙江省中小企业融资的可行性和必要性进行了分析,并进一步讨论了适用于浙江中小企业融资实际的资产证券化模式。文章认为,在传统间接融资基础上嵌入资产证券化设计有助于缓解中小企业融资困境；浙江省在解决中小企业融资困境过程中应当优先考虑采取和推广以金融机构小企业特色服务和基于大数据的信用评估体系为依托,以单笔规模较小的中小企业贷款组合作为基础资产,采用循环交易结构的券商资管计划类型的资产证券化模式,并就进一步推广和发展浙江省中小企业资产证券化实践提出了相关政策建议。
[Abstract]:The financing difficulties of small and medium-sized enterprises in Zhejiang province has seriously hindered the overall development of small and medium-sized enterprises and the transformation and upgrading, to explore how to have important significance through financial innovation to small and medium sized enterprises financing. Asset securitization is an important financial innovation, with the risk isolation and transfer, improve liquidity and credit creation function, has been in the international practice the market has achieved great success. This paper starts from the development and financing situation of small and medium-sized enterprises in Zhejiang province according to the general principle of asset securitization as the basis, necessity and feasibility of normative analysis and case analysis from the two aspects of asset securitization financing of small and medium-sized enterprises in Zhejiang province were analyzed, and further discussion suitable for small and medium sized enterprises in Zhejiang actual financing modes of asset securitization. In the article, based on the traditional indirect financing into asset securitization design Helping to ease the financing difficulties of small and medium enterprises; Zhejiang province should give priority to take and to promote financial institutions to small enterprises special services and big data based on the credit evaluation system in solving the financing difficulties of small and medium enterprises in the process, the single small loans to small and medium-sized enterprises group cooperation is based on the assets, the transaction structure of broker owned by cyclic tube type plan asset securitization model, and further promote the development of small and medium-sized enterprises in Zhejiang Province, asset securitization practice puts forward relevant policy suggestions.

【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275;F832.51

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