论创设中小企业集合信贷资金信托

为应对国际金融危机的冲击，加大金融支持力度，2008年以来，各地开展设立小额贷款公司、开展股权质押贷款、引进风险投资等试点工作，以缓解中小企业融资难的问题。商业银行在中小企业融资上也进行了积极探索，开发出相应的金融产品，进一步拓宽了中小企业的融资渠道。但这些都属于“一对一”的方式，由于门槛较高，对正处于发展期的中小企业而言获取资金难度较大。应结合中小企业融资难现状通过信托公司创设中小企业集合信贷资金信托，解决中小企业融资难题。

The Creation of Trust for Credit Funds Collection to Solve Financing Problems of SMEs

In order to cope with the impact from international financial crisis, promote financial support, since 2008, many measures, including developing small enterprice loaning company, equity pledge loan, introducing risk investment, have been taken to alleviate financing problem which small enterprises may face. Commercial banks also respond to it positively with developing relevant financial products to further broaden financing channel. But all these are about ＂case by case＂ with high threshold, presenting big financing preblems for SME at phase of growth. This paper proposes to set up SME collective credit trust through trust company to provide an alternative for solving SME financing crux.