本文選題：新能源 + 中小企業(yè)��； 參考：《西南財經(jīng)大學(xué)》2013年碩士論文

【摘要】：中小企業(yè)在改革開放以來一直是我國經(jīng)濟增長最活躍的推動力。然而,“融資難”、“融資貴”的問題卻一直困擾著我國絕大多數(shù)企業(yè),不僅限制著他們的進一步發(fā)展壯大,甚至讓其時常面臨資金鏈斷裂的風(fēng)險。中小企業(yè)“融資難”的問題在我國的新能源行業(yè)中尤為明顯。由于新能源行業(yè)屬于高科技、高風(fēng)險行業(yè),初期投資較大、科研成本較高,中小企業(yè)由于資金的限制在其發(fā)展初期往往出于接近虧損的邊緣,這使得很多銀行對其望而卻步。新能源中小企業(yè)本身就缺少融資渠道,再加上銀行信貸的減少,無疑對他們的發(fā)展非常不利。盡管國家一直在出臺相關(guān)政策扶持新能源行業(yè)和中小企業(yè),但是成效一直不好。由于缺少資金的支持,許多中小企業(yè)不得不鋌而走險,進入民間融資用高額的利率作為代價進行融資。這種現(xiàn)象的出現(xiàn)歸根結(jié)底源自我國金融市場的不完善,能夠提供給中小企業(yè)進行融資的產(chǎn)品太少。 信托在我國金融市場上的越來越被廣泛的應(yīng)用對于解決我國中小企業(yè)融資問題提供了一些很好的解決途徑,信托產(chǎn)品的創(chuàng)新空間也很廣闊。貸款投資集合資金信托作為信托行業(yè)中的較新的一個品種的推出并應(yīng)用,對于解決我國中小企業(yè)“融資難”問題是一個非常好的嘗試,無論是從設(shè)計理念的角度還是從實際操作的角度對于我國金融產(chǎn)品的多樣化發(fā)展都提供了很好的思路。本文就通過對一個于2012年3月推出的這類信托產(chǎn)品——“新疆新能源中小企業(yè)貸款投資集合資金信托計劃”進行研究來揭示其對于我國信托業(yè)發(fā)展的指引性意義。本文的第一部分對本案例的研究背景和意義進行簡要介紹；第二部分對案例的具體情景進行細致描述；第三部分結(jié)合理論與實際對案例的具體環(huán)節(jié)進行深入分析；第四部分對案例中存在的問題進行分析并提出合理化建議；最后一部分對本案例為我國金融市場未來發(fā)展帶來的典型性意義和借鑒意義進行分析。
[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.
【學(xué)位授予單位】：西南財經(jīng)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.49

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本文編號：2081475