资产证券化和我国中小企业融资渠道的创新

我国中小企业融资所面临的困境严重地制约着其发展,作为直接融资方式的资产证券化为其融资提供了一条新渠道。由此探讨中小企业融资面临的问题,资产证券化所带来的利益及必要性,中小企业资产证券化的难点,提出了要从制度体系、市场体系、信用体系三大体系的建立与完善来保障其顺利进行,为中小企业的发展注入资金动力,拉动国民经济的进一步良性发展。

Asset- Backed Securitization and the Innovation of Financial Channels of Small and Medium- sized Corporations in China

Thanks to the financial predicaments, the development of small and medium - sized corporations in China are seriously restricted. As a direct way of finance, asset ?backed securitization provides a new channel for these corporations to get more capital which they need. This paper analyzes the current financial problems the benefit and the necessity of asset - backed securitization, and the difficulty of ABS of these companies. It suggests that the construction and improvement of three systems: institution system, finance market system and credit assurance system, which can ensure the successful operating of ABS. The small and medium - sized companies can get more capital and the economy of our country will get further improved.