贷款投资集合资金信托案例分析

发布时间：2018-06-29 08:14

本文选题：新能源 + 中小企业　；参考：《西南财经大学》2013年硕士论文

【摘要】：中小企业在改革开放以来一直是我国经济增长最活跃的推动力。然而,“融资难”、“融资贵”的问题却一直困扰着我国绝大多数企业,不仅限制着他们的进一步发展壮大,甚至让其时常面临资金链断裂的风险。中小企业“融资难”的问题在我国的新能源行业中尤为明显。由于新能源行业属于高科技、高风险行业,初期投资较大、科研成本较高,中小企业由于资金的限制在其发展初期往往出于接近亏损的边缘,这使得很多银行对其望而却步。新能源中小企业本身就缺少融资渠道,再加上银行信贷的减少,无疑对他们的发展非常不利。尽管国家一直在出台相关政策扶持新能源行业和中小企业,但是成效一直不好。由于缺少资金的支持,许多中小企业不得不铤而走险,进入民间融资用高额的利率作为代价进行融资。这种现象的出现归根结底源自我国金融市场的不完善,能够提供给中小企业进行融资的产品太少。信托在我国金融市场上的越来越被广泛的应用对于解决我国中小企业融资问题提供了一些很好的解决途径,信托产品的创新空间也很广阔。贷款投资集合资金信托作为信托行业中的较新的一个品种的推出并应用,对于解决我国中小企业“融资难”问题是一个非常好的尝试,无论是从设计理念的角度还是从实际操作的角度对于我国金融产品的多样化发展都提供了很好的思路。本文就通过对一个于2012年3月推出的这类信托产品——“新疆新能源中小企业贷款投资集合资金信托计划”进行研究来揭示其对于我国信托业发展的指引性意义。本文的第一部分对本案例的研究背景和意义进行简要介绍；第二部分对案例的具体情景进行细致描述；第三部分结合理论与实际对案例的具体环节进行深入分析；第四部分对案例中存在的问题进行分析并提出合理化建议；最后一部分对本案例为我国金融市场未来发展带来的典型性意义和借鉴意义进行分析。
[Abstract]:Since the reform and opening up, SMEs have been the most active driving force of China's economic growth. However, the problem of "difficult financing" and "expensive financing" has been puzzling most enterprises in China, which not only restricts their further development, but also makes them often face the risk of capital chain breakage. The problem of small and medium-sized enterprises financing is especially obvious in China's new energy industry. Because the new energy industry belongs to high technology, high risk industry, the initial investment is large, the scientific research cost is higher, the small and medium-sized enterprise often for near the loss edge because of the capital restriction in its early development, this causes many banks to be deterred to it. The small and medium-sized enterprise of new energy itself lacks financing channel, and the bank credit reduces, undoubtedly is very disadvantageous to their development. Although the government has been in the relevant policies to support the new energy industry and small-and medium-sized enterprises, but has not been effective. Due to the lack of financial support, many small and medium-sized enterprises have to take the risk of entering private financing with high interest rates as the cost of financing. In the final analysis, this phenomenon comes from the imperfection of financial market in our country, and there are too few products which can provide financing to small and medium-sized enterprises. The more and more extensive application of trust in the financial market of our country has provided some good ways to solve the financing problem of small and medium-sized enterprises in our country, and the innovation space of trust products is also very broad. The introduction and application of loan investment pooled fund trust as a new variety in trust industry is a good attempt to solve the problem of "financing difficulty" for small and medium-sized enterprises in our country. Both from the point of view of design concept and practical operation, it provides a good idea for the diversified development of financial products in China. In this paper, a trust product named Xinjiang New Energy small and Medium-sized Enterprises loan Investment pooled Fund Trust Program, which was launched in March, 2012, is studied to reveal its guiding significance for the development of trust industry in China. The first part of this paper briefly introduces the research background and significance of this case; the second part describes the specific situation of the case in detail; The fourth part analyzes the problems existing in the case and puts forward some reasonable suggestions. The last part analyzes the typical significance and reference significance of this case for the future development of our financial market.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.49

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