短期融资及设备融资风险

《短期融资及设备融资风险》由会员上传分享，免费在线阅读，更多相关内容在教育资源-天天文库。

1、短期融资及设备融资风险管理RiskManagementofShort-termFinancingandEquipmentFinancing引言Introduction数据一：上市公司数与中小企业数的比较DataI:Comparingthenumberofpubliccompaniesandsmallandmedium-sizedenterprises(SME)截止2008年6月5日国内中小企业数AsofJune5,2008thenumberofsmallandmedium-sizedenterprises2006年底3151

2、.8万家，较上年增长11.2%，预计2012年将达到5000万家，年均增长率7%-8%Therewere31.518millionSMEsattheendof2006,anincreaseof11.2%year-on-year.Itisestimatedtobeupto50millionSMEsby2012,ayearlyaverageincreaseof7%-8%.上市公司数ListedCompanies总市值TotalMarketValue(RMB,HundredMillion)上交所ShanghaiStockExcha

3、nge864家176960.08深交所ShenzhenStockExchange711家43,001.06中小企业板Smallandmedium-sizedenterprise(SME)board246家9,047.55VS引言Introduction数据二：直接融资额与间接融资额的比较DataII:Comparingofthevalueofdirectfinancingandindirectfinancing直接融资Directfinancing间接融资Indirectfinancing2007年直接融资额8710亿元，占

4、当年融资总额的17.5%，比2006年提高5.2个百分点In2007,thevalueofdirectfinancingreachedRMB871billion,17.5%ofthetotalvalue,Itincreased5.2%comparedwith2006.2007年底，人民币贷款余额达277746.53亿元Attheendof2007,theloanbalanceofRMBreachedRMB27774.653billion.引言Introduction数据分析DataAnalysis能直接融资的企业仍为少数，大

5、多数企业需依赖自有资金及银行融资Fewenterprisesareabletofinancedirectly.Mostoftheenterprisesdependsonowned-capitalandbankfinancing.直接融资比例虽有所提高，但间接融资仍居于主导地位。Thoughthepercentageofdirectfinancingincreased,indirectfinancingstilloccupiesaleadingposition.引言Introduction中国金融机构贷款余额及构成LoanBa

6、lanceandbreakdownofChinaFinancialInstitutions单位:亿元InRMB,HundredMillion贷款余额年平均增长16%Theyearlyaverageincreaseof16%intheloanbalance.Short-termloanMediumandlong-termloanOthers第一部分国内短期融资主要品种PartITheVarietiesofDomesticShort-termFinancingProducts不基于单笔贸易的短期融资品种Thevarietieso

7、fshort-termfinancingproductsbasedonnon-singletradetransaction营运资金贷款Workingcapitalloan周转限额贷款Revolvinglineofcreditloan临时贷款Temporaryloan搭桥贷款Bridgeloan贷款承诺Loancommitment1、营运资金贷款1.Workingcapitalloan满足借款人日常经营中合理的连续使用需求Theborrowerusesfornormalbusinessoperationsortomeetcon

8、tinuousneedforcapital未来综合收益和其他合法收入等作为还款来源Futureincomeandotherlegalincomearetheresourcesforrepayment.可采用循环贷款方式，一次签约、多次提款、逐笔归还，循环使用Itcouldberevolvi