| With the rapid development of the domestic economy,the vocational skills training need must be further enlarged.So,the financial products to vocational education must be designed and popularized.In this thesis,I will try to develop a financial product as this background,"Z trust",so as to fill the market blank and promote the sustainable development of vocational training industry in China."Z trust-VOCATIONAL SKILLS TRAINING CONSUMER LENDING COLLECTIVE FUND TRUST PLAN " is based on the actual financial situation to Chinese current vocational education market,trying to link the investment demand with the practical needs of vocational training tuition fees.This product select "trust" as its basic structure.In fact,due to the need to apply for vocational skills training tuition fees are mostly the poor,the product by satisfying their real financial needs,is not only in line with the national "precision poverty alleviation","Pratt&Whitney financial" policy,but also has completed the innovation.The specific mode of operation of the trust plan is:first of all,the commercial banks sell"Z-trust" to investors by their strong marketing ability.Then,investors and trust companies sign a trust contract.Secondly,the consumer finance companies will seek lenders in the following three ways:search by themselves using their strong marketing network;vocational school recommend;government recommend.Thirdly,after the establishment of the trust plan,consumer finance companies will be the platform for the to lend personal loans to individuals for vocational training.The loan is dedicated to the cost of the borrower’s participation in the training.Finally,Then,to the trust contract,the relevant assets of consumer finance companies was centralized purchasing by trust company.In respect of the trust rights,the client shall obtain it in rules.Finally,Poverty-relief funds from government poverty alleviation institutions and domestic and foreign NGO,is issued to the loan applicant of the "Z-trust" in the form of scholarship.Thus,Without prejudicing to the economic interests of the participants of the trust,Poverty-relief deduct the interest or principal required by the loan applicant to reduce lenders’(most are the poor)repayment pressure actually.As for the paper structure,first of all,this paper analyzes the vocational training market and the consumer finance market in China,and demonstrates the possibility of the consumer finance company serving the vocational training market.Secondly,the following three selections are demonstrated:choose consumer finance company as the main promoter of this product;choose trust as the link to consumer finance company and fund provider;choose"credit factory" model as the basic structure of this product design.Thirdly,after completing the design of this product,this paper compare "Z trust" with the other trust project and make analysis of applicability and risk in the fourth chapter.Finally,this article analyzes the current relevant market and tailors product promotion plan for "Z trust" according to the actual characteristics of the product. |
