Research On Trust Financing Of Small And Medium-Sized Enterprises Funds Collection

SME financing has been plagued financial markets and the majority of scholars for many years. Domestic and foreign scholars has done detailed exposition to its reason, put forward many solutions. The market also have launched SME debt collection, collection of small and medium enterprises financing tool instruments such as small and medium-sized enterprises, but due to various reasons, there is no good solution to the financing problem of small and medium-sized enterprises. In the past two years, the small and medium-sized enterprise boss run away, folk lending malignant events, large number of small and medium-sized enterprises bankruptcy problems reported to the financing problem of SMEs has become an urgent problem to solve. In2012, the small and medium-sized enterprises private debt issuance will once again focus the financing problem of small and medium-sized enterprises to the society from all walks of life. What kind of financing products is the best choice for small and medium-sized enterprises, what kind of financing mode is the most suitable for small and medium enterprises? Environment and based on this thinking, this paper discusses the financing mode of small and medium enterprises from the perspective of collective fund trust. The first chapter analysis in academic circles about the problem of financing small and medium enterprises and collective fund trust research results, and introduces the main research content and research method of this article. The second chapter starts from the financing situation of small and medium-sized enterprises, analyses the characteristics of financing demand of small and medium-sized enterprises, and discusses the different types of enterprises and different stages of development of enterprises is how to influence the demand. Then the trust fund financing characteristics were analyzed, and found the small and medium-sized enterprise has many points. Then, compare the financing products for small and medium-sized enterprises at present several typical. To conclude, the small and medium-sized enterprise has the advantage of collective fund trust, adhere to it is of great significance to explore the financing mode and product design. The third chapter analyzes several kinds of small and medium-sized enterprises of collective money trust financing mode, and analysis, risk disclosure, process design for its advantage. The fourth chapter of collective fund trust status of statistical analysis, and makes a case analysis of various types of small and medium-sized enterprises of collective money trust financing pattern, then has carried on the summary to the small and medium-sized enterprise set status of trust funds products, defect analysis the existence of collective fund trust products on the market of small and medium-sized enterprises. The fifth chapter on the basis of chapter four of the small and medium-sized enterprise collective fund trust product innovation put forward exploratory opinions, to choose investment object, use of funds, credit enhancement and other specific improvement suggestions were put forward.The innovation of this paper lies in:according to the trust fund, the fund demand of small and medium-sized enterprises fit and external comparative advantage determines the importance of the two aspects of the exploration of collective fund trust financing mode and product design. To the small and medium-sized enterprise collective fund trust products to analyze the case, points out the existing problems and improvement. On innovation of small and medium-sized enterprises of collective money trust financing gives specific suggestions.