本文選題：中小微企業(yè)　切入點(diǎn)：融資難　出處：《山東大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：中小微企業(yè)在促進(jìn)產(chǎn)業(yè)結(jié)構(gòu)調(diào)整、提高就業(yè)率、繁榮經(jīng)濟(jì)等方而發(fā)揮著越來(lái)越重要的作用,成為推動(dòng)國(guó)民經(jīng)濟(jì)、社會(huì)發(fā)展和構(gòu)建和諧社會(huì)的重要力量。然而,中小微企業(yè)的發(fā)展一直受到融資問(wèn)題的困擾,資金短缺嚴(yán)重制約了中小微企業(yè)的發(fā)展。近年來(lái),山東省中小微企業(yè)信托融資不斷發(fā)展,信托公司為中小微企業(yè)籌集了大量需求資金,信托融資成為解決中小微企業(yè)融資難的一個(gè)重要渠道。 本文以山東省國(guó)際信托有限公司為平臺(tái),對(duì)山東省中小微企業(yè)信托融資情況進(jìn)行了深入調(diào)查。以翔實(shí)數(shù)據(jù)為依據(jù),結(jié)合訪談、考察獲得的信息,對(duì)山東省信托業(yè)發(fā)展?fàn)顩r、山東省中小微企業(yè)融資現(xiàn)狀以及信托融資現(xiàn)狀進(jìn)行了詳細(xì)分析。 山東省中小微企業(yè)采用的信托融資模式主要有：中小微企業(yè)集合信托貸款融資和股權(quán)收益權(quán)轉(zhuǎn)讓信托融資。以“遠(yuǎn)圖一號(hào)”集合資金信托計(jì)劃和信元股權(quán)收益權(quán)轉(zhuǎn)讓信托計(jì)劃兩個(gè)典型案例對(duì)兩種融資模式的操作流程、具有的優(yōu)勢(shì)以及風(fēng)險(xiǎn)進(jìn)行了描述。并使用博弈分析對(duì)中小微企業(yè)信托融資的信用風(fēng)險(xiǎn)以及風(fēng)險(xiǎn)控制措施進(jìn)行了分析。發(fā)現(xiàn)：信托融資對(duì)中小微企業(yè)擺脫融資難困境具有重要性,但信托融資方式還存在著很多的現(xiàn)實(shí)困難和障礙,如信托擔(dān)保體系不完善、信托產(chǎn)品銷售渠道狹窄、信托公司風(fēng)險(xiǎn)控制機(jī)制不完善等等問(wèn)題。 山東省中小微企業(yè)信托融資未來(lái)的發(fā)展方向是：進(jìn)一步完善與信托融資相關(guān)的法律法規(guī)和中小微企業(yè)的信用擔(dān)保體系,構(gòu)建中小微企業(yè)征信系統(tǒng);信托公司精致化風(fēng)險(xiǎn)設(shè)計(jì),強(qiáng)化內(nèi)部控制,構(gòu)建追加融資機(jī)制。
[Abstract]:Small and micro enterprises in promoting the adjustment of industrial structure, increase employment, economic prosperity and plays an increasingly important role, has become an important force to promote economic and social development and building a harmonious society. However, the development of small and medium-sized enterprises has been plagued by financing problems, the shortage of funds restricted the development of small and micro enterprises in recent years, Shandong Province Trust Financing of small and medium-sized enterprises development, trust companies have raised lots of capital demand for small and micro enterprises, trust financing has become an important channel for the financing of small and medium-sized enterprises.
This paper takes Shandong International Trust Company Limited as a platform for small and medium-sized enterprises in Shandong province investigate the situation of trust financing. With full and accurate data, combined with interviews, investigation to obtain information, development of the trust industry of Shandong Province, analyzes Shandong province of small and micro enterprise financing and trust financing present situation.
The trust financing mode of small and medium-sized enterprises in Shandong province are: small and medium-sized enterprise collective trust loan financing and equity transfer of usufruct trust financing. With "Yuantu 1" trust fund and the cell right of return on equity transfer trust schemes of two typical cases of two kinds of financing modes of operation process, advantages and risks are described. And the use of trust financing of small and medium-sized enterprises credit risk and risk control measures were analyzed. The game analysis found: trust financing of small and micro enterprises to get rid of the financing difficulties of importance, but the trust financing way still exist many difficulties and obstacles in reality, such as trust guarantee system is not perfect, trust products sales the narrow channels, the trust company risk control mechanism is not perfect and so on.
The future development direction of Shandong Province Trust Financing of small and medium-sized enterprises are: to further improve the relevant laws and regulations and the trust financing of small and micro enterprises and credit guarantee system, construction of small micro enterprise credit system; trust company refined risk design, strengthen internal control, construction of additional financing mechanism.

【學(xué)位授予單位】：山東大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.49;F275;F276.3

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