本文關(guān)鍵詞：農(nóng)發(fā)行小微企業(yè)客戶貸前財(cái)務(wù)輔導(dǎo)方案研究　出處：《河北工業(yè)大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小微企業(yè) 財(cái)務(wù)信息 財(cái)務(wù)輔導(dǎo) 融資難

【摘要】：中國(guó)小微企業(yè)經(jīng)過(guò)多年的發(fā)展，已經(jīng)取得了輝煌的成績(jī)，在中國(guó)國(guó)民經(jīng)濟(jì)中占有舉足輕重的地位。小微企業(yè)在經(jīng)濟(jì)社會(huì)發(fā)展中具有不可替代的地位，已成為國(guó)民經(jīng)濟(jì)增長(zhǎng)和社會(huì)發(fā)展的主要?jiǎng)恿�。本文同過(guò)對(duì)國(guó)內(nèi)小微企業(yè)經(jīng)營(yíng)及融資狀況分析，以及借鑒各國(guó)政府支持小微企業(yè)經(jīng)營(yíng)及融資發(fā)展演變趨勢(shì)，說(shuō)明小微企業(yè)在經(jīng)濟(jì)社會(huì)發(fā)展中具有不可替代的地位，已成為國(guó)民經(jīng)濟(jì)增長(zhǎng)和社會(huì)發(fā)展的主要?jiǎng)恿�。小微企業(yè)發(fā)展已成為社會(huì)和諧、穩(wěn)定的重要因素。但是在金融危機(jī)爆發(fā)以后，小微企業(yè)融資難的問(wèn)題逐漸引起社會(huì)各界日益關(guān)注。隨著國(guó)家對(duì)小微企業(yè)的政策性扶持，，各家銀行對(duì)小微企業(yè)信貸融資的支持納入銀行的日常業(yè)務(wù)經(jīng)營(yíng)范圍。在中國(guó)小微企業(yè)融資難的問(wèn)題日益突出。在融資難的眾多原因中，其中有一個(gè)重要的原因是小微企業(yè)財(cái)務(wù)管理比較混亂，銀企財(cái)務(wù)信息溝通不暢，成為小微企業(yè)融資難的一個(gè)“拌腳石”。 農(nóng)業(yè)發(fā)展銀行通過(guò)對(duì)納入自身營(yíng)銷范圍的小微企業(yè)實(shí)施融資前的財(cái)務(wù)輔導(dǎo)，規(guī)范企業(yè)財(cái)務(wù)管理，讓規(guī)范后的企業(yè)財(cái)務(wù)管理更符合農(nóng)發(fā)行的要求，確實(shí)讓企業(yè)做到財(cái)務(wù)信息真實(shí)，數(shù)據(jù)準(zhǔn)確，使其達(dá)到農(nóng)發(fā)行準(zhǔn)入要求。規(guī)范小微企業(yè)財(cái)務(wù)管理，進(jìn)行融資前財(cái)務(wù)輔導(dǎo)，能夠加快銀企財(cái)務(wù)信息順利溝通，是解決當(dāng)前小微企業(yè)融資難的有效辦法之一。同時(shí)可以降低農(nóng)發(fā)行信貸風(fēng)險(xiǎn)，這樣做可以綜合考慮銀行信貸資金的安全性、效益性、流動(dòng)性原則，為農(nóng)發(fā)行篩選具有獨(dú)特競(jìng)爭(zhēng)優(yōu)勢(shì)和成長(zhǎng)性的小微企業(yè)客戶。本文針對(duì)小微企業(yè)在經(jīng)營(yíng)中存在幾種財(cái)務(wù)混亂現(xiàn)象，通過(guò)幾個(gè)案例進(jìn)行剖析，用以查找企業(yè)財(cái)務(wù)混亂存在的原因，然后針對(duì)這幾種財(cái)務(wù)混亂現(xiàn)象，設(shè)計(jì)財(cái)務(wù)輔導(dǎo)方案。通過(guò)有針對(duì)性的財(cái)務(wù)輔導(dǎo)，使不同層次的企業(yè)財(cái)務(wù)人員及經(jīng)營(yíng)者明白企業(yè)財(cái)務(wù)混亂是造成企業(yè)從銀行貸款難的主要原因之一。通過(guò)財(cái)務(wù)輔導(dǎo)提高銀行與企業(yè)財(cái)務(wù)信息溝通的質(zhì)量。通過(guò)設(shè)計(jì)適合企業(yè)會(huì)計(jì)人員、企業(yè)經(jīng)營(yíng)者不同財(cái)務(wù)輔導(dǎo)方案，可以確保財(cái)務(wù)輔導(dǎo)質(zhì)量及效果。這是解決小微企業(yè)財(cái)務(wù)管理混亂，確保銀企財(cái)務(wù)信息溝通順暢的有效辦法。
[Abstract]:After many years of development, small and micro enterprises in China have made brilliant achievements, occupies a pivotal position in the national economy. Small and micro enterprises have an irreplaceable position in the economic and social development. It has become the main driving force of national economic growth and social development. This paper analyzes the operation and financing status of domestic small and micro enterprises, as well as drawing lessons from the governments of various countries to support the development trend of small and micro enterprises management and financing. It shows that small and micro enterprises have an irreplaceable position in the economic and social development, and have become the main driving force of national economic growth and social development, and the development of small and micro enterprises has become social harmony. However, after the financial crisis broke out, the problem of financing difficulties of small and micro enterprises gradually aroused the attention of all walks of life. With the policy support of the state to small and micro enterprises. The support of each bank to the small and micro enterprise credit financing is included in the daily business scope of the bank. In China, the problem of the financing difficulty of the small and micro enterprise is becoming more and more prominent. Among the many reasons of the financing difficulty. One of the important reasons is that the financial management of small and micro enterprises is relatively confused, and the financial information of banks and enterprises is difficult to communicate, which becomes a "mixed stone" of financing difficulties for small and micro enterprises. Agricultural Development Bank through the small and micro enterprises into its own marketing scope of financial guidance before financing, standardize the financial management of enterprises, so that the standardized financial management of enterprises more in line with the requirements of Agricultural Development Bank. It is true that the financial information is true and the data is accurate, so that it can meet the requirements of the Agricultural Development Bank. Standardizing the financial management of small and micro enterprises and providing financial guidance before financing can speed up the smooth communication of financial information between banks and enterprises. It is one of the effective ways to solve the current financing difficulties of small and micro enterprises. At the same time, it can reduce the credit risk of Agricultural Development Bank, which can comprehensively consider the security, efficiency and liquidity principle of bank credit funds. In order to screen small and micro enterprise customers with unique competitive advantage and growth, this paper analyzes several financial chaos phenomena in the operation of small and micro enterprises through several cases. To find out the causes of financial chaos in enterprises, and then to address these financial chaos phenomenon, the design of financial counseling program. Through targeted financial counseling. To make different levels of enterprise financial personnel and managers understand that corporate financial chaos is one of the main reasons for enterprises to make loans from banks. Improve the quality of financial information communication between banks and enterprises through financial counseling. Suitable for enterprise accountants. Different financial counseling schemes of business operators can ensure the quality and effect of financial guidance. This is an effective way to solve the confusion of financial management in small and micro enterprises and to ensure the smooth communication of financial information between banks and enterprises.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.4;F276.3;F275

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