本文關(guān)鍵詞： 信貸資產(chǎn) 財(cái)務(wù)公司 轉(zhuǎn)讓模式 交易市場(chǎng)　出處：《西南交通大學(xué)》2014年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：近年來(lái),我國(guó)金融領(lǐng)域涌現(xiàn)出了許多新興的金融業(yè)務(wù),信貸資產(chǎn)轉(zhuǎn)讓業(yè)務(wù)便是其中一種,各種類(lèi)型的金融機(jī)構(gòu)包括企業(yè)集團(tuán)財(cái)務(wù)公司在內(nèi)都在積極探索新的模式和方法來(lái)拓展該項(xiàng)業(yè)務(wù)。企業(yè)集團(tuán)財(cái)務(wù)公司作為我國(guó)金融機(jī)構(gòu)體系中一類(lèi)特殊的非銀行業(yè)金融機(jī)構(gòu),是在我國(guó)經(jīng)濟(jì)和金融體制改革大背景下的必然產(chǎn)物,是國(guó)家為了推動(dòng)國(guó)有企業(yè)集團(tuán)改革以及加速企業(yè)集團(tuán)技術(shù)改造的一項(xiàng)重要措施。經(jīng)過(guò)近三十年的發(fā)展,企業(yè)集團(tuán)財(cái)務(wù)公司已經(jīng)發(fā)展成為金融市場(chǎng)中一支重要的生力軍,是我國(guó)非銀行業(yè)金融機(jī)構(gòu)中的重要組成部分,在支持集團(tuán)企業(yè)發(fā)展以及為集團(tuán)企業(yè)提供專(zhuān)業(yè)化的金融服務(wù)等方面發(fā)揮著不可替代的作用,財(cái)務(wù)公司已經(jīng)逐漸成為信貸資產(chǎn)轉(zhuǎn)讓業(yè)務(wù)市場(chǎng)的生力軍,正以其特有的方式推動(dòng)該項(xiàng)業(yè)務(wù)的發(fā)展。首先回顧了國(guó)內(nèi)外信貸資產(chǎn)轉(zhuǎn)讓交易市場(chǎng)概況,闡釋了信貸資產(chǎn)轉(zhuǎn)讓基本概念、信貸資產(chǎn)轉(zhuǎn)讓業(yè)務(wù)面臨的風(fēng)險(xiǎn)以及財(cái)務(wù)公司開(kāi)展信貸資產(chǎn)轉(zhuǎn)讓業(yè)務(wù)的意義；其次從目前金融、政策環(huán)境、財(cái)務(wù)公司發(fā)展特征、財(cái)務(wù)公司信貸資產(chǎn)交易的積極作用四個(gè)層面探討了建立信貸資產(chǎn)轉(zhuǎn)讓業(yè)務(wù)交易平臺(tái)的可行性；然后具體地對(duì)信貸資產(chǎn)債權(quán)收益權(quán)轉(zhuǎn)讓模式和信貸資產(chǎn)債權(quán)轉(zhuǎn)讓模式進(jìn)行了設(shè)計(jì),涵蓋了標(biāo)的資產(chǎn)選擇和構(gòu)建、產(chǎn)品定價(jià)、融資成本、交易結(jié)構(gòu)以及各個(gè)參與主體準(zhǔn)入標(biāo)準(zhǔn)及其權(quán)利和義務(wù)等關(guān)鍵環(huán)節(jié)；接著從主要職能、交易要素、建設(shè)規(guī)則、風(fēng)險(xiǎn)控制管理等方面對(duì)財(cái)務(wù)公司信貸資產(chǎn)轉(zhuǎn)讓交易市場(chǎng)的構(gòu)建提出了初步方案；最后得出結(jié)論,目前我國(guó)建立財(cái)務(wù)公司信貸資產(chǎn)交易市場(chǎng)的金融環(huán)境、政策環(huán)境有利,與金融改革趨向一致,各項(xiàng)條件業(yè)已成熟。建立財(cái)務(wù)公司信貸資產(chǎn)交易市場(chǎng),既便于監(jiān)管部門(mén)對(duì)該類(lèi)業(yè)務(wù)的監(jiān)管,也為該類(lèi)業(yè)務(wù)的快速發(fā)展實(shí)施正確的指導(dǎo),推動(dòng)財(cái)務(wù)公司貸款轉(zhuǎn)讓業(yè)務(wù)在健康的軌道上發(fā)展,使金融創(chuàng)新更好地服務(wù)實(shí)體經(jīng)濟(jì)發(fā)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.

【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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