财务公司信贷资产转让交易模式可行性研究

发布时间：2018-02-02 00:42

本文关键词： 信贷资产财务公司转让模式交易市场　出处：《西南交通大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来,我国金融领域涌现出了许多新兴的金融业务,信贷资产转让业务便是其中一种,各种类型的金融机构包括企业集团财务公司在内都在积极探索新的模式和方法来拓展该项业务。企业集团财务公司作为我国金融机构体系中一类特殊的非银行业金融机构,是在我国经济和金融体制改革大背景下的必然产物,是国家为了推动国有企业集团改革以及加速企业集团技术改造的一项重要措施。经过近三十年的发展,企业集团财务公司已经发展成为金融市场中一支重要的生力军,是我国非银行业金融机构中的重要组成部分,在支持集团企业发展以及为集团企业提供专业化的金融服务等方面发挥着不可替代的作用,财务公司已经逐渐成为信贷资产转让业务市场的生力军,正以其特有的方式推动该项业务的发展。首先回顾了国内外信贷资产转让交易市场概况,阐释了信贷资产转让基本概念、信贷资产转让业务面临的风险以及财务公司开展信贷资产转让业务的意义；其次从目前金融、政策环境、财务公司发展特征、财务公司信贷资产交易的积极作用四个层面探讨了建立信贷资产转让业务交易平台的可行性；然后具体地对信贷资产债权收益权转让模式和信贷资产债权转让模式进行了设计,涵盖了标的资产选择和构建、产品定价、融资成本、交易结构以及各个参与主体准入标准及其权利和义务等关键环节；接着从主要职能、交易要素、建设规则、风险控制管理等方面对财务公司信贷资产转让交易市场的构建提出了初步方案；最后得出结论,目前我国建立财务公司信贷资产交易市场的金融环境、政策环境有利,与金融改革趋向一致,各项条件业已成熟。建立财务公司信贷资产交易市场,既便于监管部门对该类业务的监管,也为该类业务的快速发展实施正确的指导,推动财务公司贷款转让业务在健康的轨道上发展,使金融创新更好地服务实体经济发展。
[Abstract]:In recent years, China's financial sector emerged many new financial business, the credit asset transfer business is one of the various types of financial institutions, including financial companies, are actively exploring new models and methods to expand the business. The financial companies of enterprise groups as a special kind of non banking financial institutions China's financial system, is the inevitable product in the background of the reform of economic and financial system in China, is an important measure to promote the country to accelerate the technological transformation of state-owned enterprise reform and enterprise application. After nearly thirty years of development, financial companies of enterprise groups has become an important force in the financial market. China is an important part of non banking financial institutions, in support of the development of enterprise groups and provide professional financial services for enterprise group It plays an irreplaceable role, the financial company has gradually become a force in the credit asset transfer business market, is to promote the development of the business in its own way. Firstly reviews the general situation of domestic and foreign credit asset transfer market, explains the basic concepts of credit asset transfer, risk of credit asset transfer business and financial companies to carry out credit asset transfer business significance; secondly from the current financial policy, environment, development characteristics of financial company, four levels of positive credit assets transaction of financial companies to discuss the feasibility of establishing the credit asset transfer business trading platform; then specifically for the credit asset usufruct loan transfer mode and credit asset debt transfer mode for the design, construction and covers, asset selection target product pricing, financing costs, transaction structure and each participating The key link of the main access standards and the rights and obligations; then from the main function elements of the transaction, the construction risk control rules, construction management and other aspects of the financial company credit asset transfer market put forward a preliminary plan; and finally come to the conclusion that at present our country to establish the financial company credit asset trading market financial environment, favorable policy environment. Consistent with the financial reform, the conditions are ripe for the establishment of the company. The financial credit assets trading market, both for the supervision department for the supervision of the business, but also for the business, the rapid development of the implementation of the correct guidance, promote financial company loan transfer business development on a healthy track, to better serve the real financial innovation the development of economy.

【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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