本文選題：中小企業(yè) + 融資難��； 參考：《遼寧工程技術(shù)大學(xué)》2013年碩士論文

【摘要】：本文通過對一家裝修公司T公司的發(fā)展情況及融資難題的案例描述及分析,結(jié)合工作實踐、專題調(diào)研及制度經(jīng)濟學(xué)相關(guān)理論的分析,指出影響中小企業(yè)融資的內(nèi)在原因可以從交易成本、信息不對稱及制度變遷的角度進行分析。 從交易成本角度看,企業(yè)為獲取銀行貸款需要付出規(guī)范管理、失去逃避稅收機會、對銀行進行公關(guān)等方面的成本,可以用MM理論簡單的解釋其融資順序是內(nèi)源到外源,民間融資到銀行貸款。從銀行角度看,單筆貸款的成本基本和貸款額度關(guān)系不大,所以,貸款額度越小成本越高,所以,不愿意做中小企業(yè)業(yè)務(wù)。從信息不對稱角度看,中小企業(yè)管理不透明,財務(wù)信息可信度差,很難獲得高的資信評級,銀行難以控制逆向選擇及道德風(fēng)險,所以不敢輕易開展中小企業(yè)業(yè)務(wù)。從制度變遷角度看,中圍金融改革落后于市場經(jīng)濟改革,國有金融體制對中小企業(yè)的服務(wù)還需要長時間培育及制度的持續(xù)促進。但從中小企業(yè)融資環(huán)境的發(fā)展趨勢看,中小企業(yè)融資有緩解的可能。 在這些分析的基礎(chǔ)上,對中小企業(yè)提升融資能力給出如下建議：中小企業(yè)應(yīng)從融資管理的角度完善公司治理、加強財務(wù)管理、強化企業(yè)的內(nèi)部控制機制、加強企業(yè)的投資及利潤分配管理、重視財務(wù)管理人才培養(yǎng)、不斷創(chuàng)新融資方法和渠道等方面自我完善；
[Abstract]:In this paper, through the development of a decoration company T company and financing problems of the case description and analysis, combined with work practice, special research and institutional economics related theory analysis, It is pointed out that the internal causes of SMEs' financing can be analyzed from the perspective of transaction costs, information asymmetry and institutional changes. From the point of view of transaction cost, enterprises need to pay standardized management to obtain bank loans, lose the opportunity to evade tax, and carry out public relations on banks. We can simply explain that the financing order is endogenous to exogenous with MM theory. Private financing to bank loans. From the bank's point of view, the cost of a single loan has little to do with the loan quota, so the smaller the loan amount, the higher the cost, and therefore unwilling to do small and medium-sized business. From the point of view of information asymmetry, SMEs are not transparent in management, poor in credibility of financial information, difficult to obtain high credit rating, difficult for banks to control adverse selection and moral hazard, so they dare not carry out business easily. From the perspective of institutional change, the financial reform in the middle and circumference lags behind the reform in the market economy, and the service of the state-owned financial system to the small and medium-sized enterprises still needs to be cultivated for a long time and continuously promoted by the system. However, from the development trend of SME financing environment, SME financing is likely to ease. On the basis of these analyses, the following suggestions are put forward for SMEs to enhance their financing ability: small and medium-sized enterprises should improve corporate governance, strengthen financial management, and strengthen the internal control mechanism of enterprises from the perspective of financing management. Strengthen the investment and profit distribution management of enterprises, attach importance to the training of financial management personnel, and constantly innovate financing methods and channels to improve themselves;
【學(xué)位授予單位】：遼寧工程技術(shù)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F275;F426.92

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本文編號：1851322