重庆理工大学毕业论文
中小企业筹资存在的问题与对策分析
重庆理工大学毕业论文
目 录
摘 要.............................................................. I
Abstract............................................................ I
1 绪 言............................................................ 1
1.1研究背景..................................................... 1 1.2研究意义..................................................... 1 1.3研究内容与方法............................................... 2
2 企业筹资概述...................................................... 3 2.1企业筹资的含义............................................... 3 2.2企业筹资的原则............................................... 3
2.2.1收益与风险相匹配原则 ................................... 3 2.2.2筹资成本最低原则 ....................................... 4 2.2.3筹资规模量力而行原则 ................................... 4 2.2.4把握最佳筹资机会原则 ................................... 4
3 中小企业筹资的现状................................................ 6 3.1融资渠道狭窄................................................. 6 3.2.1融资渠道狭窄........................................... 6 3.2融资成本过高................................................. 6 3.2.2议价能力较弱........................................... 6
4中小企业筹资存在的问题 ............................................ 7 4.1对于中小企业而言............................................. 7
4.1.1自身管理及盈利能力差 ................................... 7 4.1.2信用观念缺失，影响信用形象 ............................. 7 4.1.3风险意识不够 ........................................... 7 4.2对于各级政府而言............................................. 7
4.2.1财政政策支持不足 ....................................... 8 4.2.2对中小企业缺乏相应的信贷支持体系 ....................... 8 4.2.3缺乏完善的法律法规的支持保障 ........................... 8 4.3对于银行等金融机构而言....................................... 8
4.3.1中小企业筹资渠道狭窄，融资渠道单一，选择空间小 ......... 8 4.3.2对中小企业的融资业务不够重视 ........................... 9
5 宁波市华禾商贸有限公司融资案例................................... 10 5.1公司的基本情况.............................................. 10 5.2公司的融资背景及出现的问题.................................. 10
5.2.1抵押额度未能达到企业的融资需求 ........................ 11 5.2.2银行利息太高 .......................................... 11 5.3融资问题的解决.............................................. 11
5.3.1企业采取贷易融资 ...................................... 11 5.3.2企业采取押余融资 ...................................... 11 5.3.3案例小结 .............................................. 12
6解决中小企业筹资问题的对策措施 ................................... 13 6.1对于中小企业自身而言........................................ 13
6.1.1改善中小企业的管理制度，健全中小企业财务制度 .......... 13 6.1.2树立良好形象 .......................................... 14 6.1.3加强风险意识 .......................................... 15 6.2对于各级政府而言............................................ 15
重庆理工大学毕业论文
6.2.1制定相应的政策 ........................................ 15 6.2.2建立信贷支持体系 ...................................... 15 6.2.3加强法律法规的建设 .................................... 16 6.3对于银行等金融机构而言...................................... 16
6.3.1拓宽融资渠道 .......................................... 16 6.3.2改进贷款管理制度 ...................................... 17 6.3.3重视中小企业的融资业务 ................................ 17
7结束语 ........................................................... 18
参考文献.......................................................... 199
重庆理工大学毕业论文
摘 要
最近几年，中小企业在我国获得了突飞猛进的发展，并逐渐成为了国民经济中不可或缺的重要组成部分，在市场经济中占有的地位不言而喻。然而，有很多的因素制约着中小企业的发展，其中融资问题是一个重要的因素。
融资问题产生的原因有很多，想要真正地解决中小企业融资问题必须从不同角度出发，综合银行、政府、金融机构以及中小企业自身的努力，来完成这一浩大的社会工程。从中小企业来看，必须树立好企业形象，改善企业的财务制度和管理制度，树立品牌意识提高市场认知度；从政府来看，要加强中小企业的信用评级，建立信贷支持体系，同时积极鼓励中小企业进行金融创新；从银行等金融机构来看，要重视中小企业的融资业务，建立新的信誉评价和风险按评估标准，同时也要改进贷款管理制度。本文将通过分析中小企业筹资的背景和筹资过程中存在的问题，针对所存在的问题提出解决方法和对策，从而提高我国中小企业筹资管理水平。
关键词：中小企业 筹资问题 筹资渠道 对策
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重庆理工大学毕业论文
Abstract
In recent years, small and medium enterprises in the country to obtain a rapid development, and gradually become an indispensable part of the national economy, and have a place in a market economy is self-evident. However, there are many factors restricting the development of SMEs, including financing issue is an important factor.
Cause financing problems are many, want to really solve the financing problem of SMEs must be from a different point of view, trying to universal banks, governments, financial institutions and SMEs themselves, and to complete this vast social engineering. From the SME point of view, we must set a good corporate image, improve financial system and management system of enterprises, establish brand awareness increase market awareness; from the government point of view, to strengthen the credit rating of SMEs, the establishment of credit support system, and actively encourage SMEs to financial innovation; from banks and other financial institutions, the financing business should pay attention to SMEs, the establishment of new credit evaluation and risk assessment criteria by, but also to improve the loan management system. In this paper, by analyzing the background and financing of SMEs in the process of financing problems for the existing problems and countermeasures to propose solutions to improve the management level of financing for SMEs.
Key words:small and medium-sized enterprises; The problems of financing funding risk; countermeasures
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