The Study On The Assembled Funds Trust Used For Loans

Small and medium-sized enterprises are the most active driving force to our country economic growth since the policy of reform and opening to the outside. A large number of small and medium-sized enterprises have made great contributions in technological innovation and job growth. But even so, the problem of financing difficulties has been plagued by the vast majority of enterprises in our country, not only limits the further development of them, and even let them often faces the risk of capital chain rupture. Small and medium-sized enterprise financing difficult problem is especially evident in the new energy industry in our country. Because the new energy industry belongs to the high-tech, high-risk industries, large initial investment, scientific research cost is higher, the small and medium-sized enterprises due to the limited funds in the development initial period is often due to close to the edge of the losses, which makes many banks off on it. Small and medium-sized enterprises of new energy themselves are in lack of financing channels, coupled with the decline in bank credit, which is very harmful to their development. Although countries have been introduced relevant policies to support new energy industry and small and medium-sized enterprises, but the effect has not been enough. Because of the lack of money support, many small and medium-sized enterprises have to take risks and access to the folk financing with high interest rates as the price for financing. This kind of phenomenon to appear from the imperfect financial market in China can provide to small and medium-sized enterprise financing products.Trust in the financial market in China is more and more widely applied to solve the problem of financing of small and medium-sized enterprises in China provides some good solutions, trust product innovation space is also very broad. Bond investment assembled funds trust as the trust industry in the new launch and a variety of applications, to solve the problem of small and medium-sized enterprise financing difficulties is a very good try, whether from the Angle of the design concept or from the perspective of practical operation for the diversification of financial products development in our country provides a good idea. In this paper, based on a march in2012to launch this kind of trust products "Xinjiang new energy investment of small and medium-sized enterprises loans under the trust plans of assembled funds" to conduct the research to reveal its guiding significance to development of China’s trust industry. The first part of this article briefly described the research background and significance of this case. The second part of the specific situation of case detailed description. The third part combines theory with the actual case of the specific link for further analysis. The last part of the case analysis the existing problems and put forward reasonable suggestions. The last part of this case analyzes the typicality significance and reference value for the future development.