本文關(guān)鍵詞：浙江中小企業(yè)融資中的資產(chǎn)證券化模式研究　出處：《浙江大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 資產(chǎn)證券化 風(fēng)險(xiǎn)隔離 中小企業(yè)融資

【摘要】：浙江省中小企業(yè)的融資困境嚴(yán)重阻礙了中小企業(yè)的整體發(fā)展和轉(zhuǎn)型升級,探索如何通過金融創(chuàng)新破解中小企業(yè)融資難具有重要意義。資產(chǎn)證券化作為一種重要的金融創(chuàng)新,具有風(fēng)險(xiǎn)隔離和轉(zhuǎn)移、提升資產(chǎn)流動性和信用創(chuàng)造等功能,已經(jīng)在國際市場的實(shí)踐中取得了巨大的成功。本文從浙江省中小企業(yè)的發(fā)展和融資現(xiàn)狀出發(fā),以資產(chǎn)證券化的一般原理為基礎(chǔ),從規(guī)范分析和案例分析兩個(gè)層面對資產(chǎn)證券化應(yīng)用于浙江省中小企業(yè)融資的可行性和必要性進(jìn)行了分析,并進(jìn)一步討論了適用于浙江中小企業(yè)融資實(shí)際的資產(chǎn)證券化模式。文章認(rèn)為,在傳統(tǒng)間接融資基礎(chǔ)上嵌入資產(chǎn)證券化設(shè)計(jì)有助于緩解中小企業(yè)融資困境；浙江省在解決中小企業(yè)融資困境過程中應(yīng)當(dāng)優(yōu)先考慮采取和推廣以金融機(jī)構(gòu)小企業(yè)特色服務(wù)和基于大數(shù)據(jù)的信用評估體系為依托,以單筆規(guī)模較小的中小企業(yè)貸款組合作為基礎(chǔ)資產(chǎn),采用循環(huán)交易結(jié)構(gòu)的券商資管計(jì)劃類型的資產(chǎn)證券化模式,并就進(jìn)一步推廣和發(fā)展浙江省中小企業(yè)資產(chǎn)證券化實(shí)踐提出了相關(guān)政策建議。
[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.

【學(xué)位授予單位】：浙江大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F275;F832.51

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本文編號：1361911