The Present Situation And Development Direction Of The Trust Financing Of Small And Medium-sized Enterprises In Shandong Province

The small and medium-sized enterprises play more and more important roles in promoting the adjustment of industrial structure, increasing employment, economic prosperity and become the important strength of the national economic, social development,building a harmonious society. However, the development of small and medium-sized enterprises has been the subject of financing problems, the shortage of funds restricted the development of small and medium-sized enterprises. In recent years, the trust financing of small and medium-sized enterprises in Shandong province have developed Continuously.Trust companies have raised lots of capital demand for the small and medium-sized enterprises and 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 the platform. Investigate the situation of trust financing of small and medium-sized enterprises in Shandong province. With full and accurate data, combined with the interview, investigation to obtain information, detailed analysis of the development of the trust industry of Shandong Province, the financing present situation and trust financing present situation of small and medium-sized enterprises in Shandong province.Trust financing mode of small and medium-sized enterprises in Shandong province are mainly used:small and medium-sized enterprise collective trust loan financing and equity gains the right to transfer trust financing. Described the two kinds of financing modes of operation process, advantages and risks by "Yuan tu No.1" trust fund and the cell return on equity right transfer trust schemes of two typical cases. And analyse the credit risk and risk control measures of small and medium-sized enterprises by the game analysis. Found:trust financing of small and medium-sized enterprises to get rid of the plight of micro financing is very important, but the trust financing way still exist many difficulties and obstacles in reality, such as trust security system is not perfect, the trust products sales channel is narrow, the trust company risk control mechanism is not perfect and so on.The future development direction of trust financing of small and medium-sized enterprises in Shandong province is:perfect the relevant laws and regulations about the trust financing, credit guarantee system of small and medium-sized enterprises, construction of medium and small micro enterprise credit system; trust company refined risk design, strengthening the internal control, construction of additional financing mechanism.