河北金融学院2019届本科毕业论文PAGEPAGE\*MERGEFORMATI毕业论文学生姓名：学号：系别班级：金融系专业：投资学题目：资产证券化服务中小微企业融资研究指导者：讲师评阅者：副教授2019年5月12日毕业论文中文摘要资产证券化服务中小微企业融资研究摘要：随着社会上现有中小微企业的数量极速增加，但针对小微企业进行融资的渠道相对较少，且商业银行针对小微企业融资的门槛很高，在众多的小微企业融资渠道中，资产证券化是现如今较为有效率的融资渠道之一。该融资渠道可以在很大程度上提升小微企业资金的流动性，缓解中小微企业的经营压力，给予中小微企业持续发展的资金支持，并且很大程度上降低中小微企业的融资成本。本文主要通过对资产证券化方式进行筛选，对中小微企业的界定，最后对碧桂园-小微企业1期应收账款资产支持专项计划这一成功案例进行研究，以期能够得到资产证券化对中小微企业融资的借鉴意义，缓解大部分中小微企业的融资难问题。关键词：中小微企业资产证券化案例研究PAGE\*MERGEFORMATII毕业论文外文摘要TitleResearchonFinancingofSmallandMedium-sizedMicro-enterprisesinAssetSecuritizationServiceAbstractWiththerapidincreaseinthenumberofsmallandmedium-sizedenterprisesinthesociety,therearerelativelyfewchannelsforfinancingsmallandmicroenterprises,andthethresholdforcommercialbankstoraisefundsforsmallandmicroenterprisesishigh.Inmanyfinancingchannelsforsmallandmicroenterprises,Assetsecuritizationisoneofthemoreefficientfinancingchannelsavailabletoday.Thisfinancingchannelcangreatlyimprovetheliquidityofsmallandmicroenterprises,easetheoperatingpressureofsmallandmedium-sizedenterprises,givefinancialsupportforthesustainabledevelopmentofsmallandmedium-sizedenterprises,andgreatlyreducethefinancingcostsofsmallandmedium-sizedenterprises.Thispapermainlythroughthescreeningofassetsecuritizationmethods,thedefinitionofsmallandmedium-sizedenterprises,andfinallythesuccessfulcaseofCountryGarden-SmallandMicroEnterprisePhaseIAccountsReceivableAssetSupportSpecialProject,inordertoobtainassetsecuritizationforsmallandmedium-sizedenterprises.Thereferencesignificanceofmicro-enterprisefinancingeasesthefinancingdifficultiesofmostsmallandmedium-sizedenterprises.Keywords：Smallandmedium-sizedbusinesses;Sssetbackedsecuritization;CasestudyPAGE\*MERGEFORMATIII目录HYPERLINK\l_Toc17381_WPSOffice_Level11引言1HYPERLINK\l_Toc9385_WPSOffice_Level21.1研究背景和研究意义1HYPERLINK\l_Toc30326_WPSOffice_Level21.2文献综述1HYPERLINK\l_Toc30003_WPSOffice_Level21.3研究目的和内容3HYPERLINK\l_Toc27456_WPSOf