涉农信贷资产证券化产品设计研究

发布时间：2018-01-04 04:17

本文关键词：涉农信贷资产证券化产品设计研究　出处：《湖南农业大学》2015年硕士论文　论文类型：学位论文

【摘要】：随着国家农业产业结构调整和农业企业及农民对信贷资金需求的逐渐增加,涉农贷款的有效供给相对不足,而且从借贷到偿付的时间段较之从整地、播种开始,到产品收获入库为止的全部时间要短得多,周期结构的不匹配在一定程度上制约了农村基础经济的发展。因此,利用涉农信贷资产证券化的实践,以涉农中小企业贷款为基础资产发行证券并将盘活资金再次投入“三农”领域,才能解决农业、农村和农民的实际资金问题,并且能促进农村制度创新,探索中国农业新的融资模式。资产证券化产生至今已有40余年,经年的发展使得这一金融创新工具拥有为债务即将到期而又不能从金融市场上借到资金的客户提供再融资的能力,极大地增加了市场流动性,对发起人自身风险的分散和转移提供了特殊保障措施。2011年,我国国民经济和社会发展第十二个五年规划中已经明确提出“稳步推进资产证券化”；2012年三部委通知更是明确指出信贷资产证券化的范围扩大到涉农贷款等多元信贷资产；2013年,国务院常务会议提议将信贷资金重点投放到与社会生产紧密相关的“农业、农村和农民”领域,作为经济发展的薄弱环节,其更需要资产证券化的支持。本文通过对涉农信贷资产证券化基本理论和发展经验的分析概括,结合我国涉农信贷资产证券化产品的发展现状,分析其中存在的问题。在此基础上,重点对我国涉农信贷资产证券化产品设计以及实际案例进行分析,最后对我国涉农信贷资产证券化产品更好地发展发展提出建议。
[Abstract]:With the adjustment of agricultural structure and agricultural enterprises and farmers to increase gradually to the needs of credit funds, the relative lack of effective supply of agricultural loans, and to borrow from time reimbursement than from soil, sowing, all the time to harvest the product in much shorter period does not match the structure in a certain degree restrict the development of rural basic economy. Therefore, the practice of securities assets of agricultural credit, agricultural loans for small and medium sized enterprises based on the issuance of securities and assets will revitalize the funds back into the "three rural" areas, it can solve the problem of agriculture, rural areas and farmers actual funds, and can promote the rural system innovation, explore new the financing mode of agricultural Chinese. Asset securitization has existed for more than 40 years, after years of development of the financial innovation tools have debt coming due and not from gold The financial market to borrow money to provide customers the ability to refinance, greatly increased the market liquidity, disperse and transfer provides special safeguard measures in.2011 promoters own risk, a five year plan for national economic and social development in China in twelfth has clearly put forward the "steady progress of asset securitization in 2012; three ministries notice it is clear that the scope of credit asset securitization expanded to multiple agricultural loans and other credit assets; in 2013, the State Council executive meeting proposal will focus on credit funds is closely related with the social production of" agriculture, rural areas and farmers ", as the weakest link in economic development, the need of Asset Securitization support. Based on the analysis of the securities credit assets of agriculture related basic theory and the development experiences, combined with the current development of China's agricultural credit asset securitization products, divided Based on the analysis of the existing problems, this paper focuses on the analysis of China's Agricultural Credit Asset Securitization Product Design and the actual cases, and finally puts forward suggestions for the better development and development of China's agricultural credit asset securitization products.

【学位授予单位】：湖南农业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43;F832.51

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