本文選題：中小企業(yè)　切入點：投資公司　出處：《西南交通大學(xué)》2013年碩士論文

【摘要】：在我國經(jīng)濟轉(zhuǎn)型、提升、快速發(fā)展的三十多年來,中小企業(yè)的比重在不斷的增加,隨之而來的中小企業(yè)所面臨的由于規(guī)模受限所造成的利潤率低、籌資規(guī)模受限、向金融機構(gòu)融資困難等諸多問題,越來越突顯出來。深圳是改革開放的前沿,作為中小企業(yè)融資的拓展渠道,一些投資公司、擔(dān)保公司、股權(quán)投資公司、股權(quán)投資基金、供應(yīng)鏈公司應(yīng)運而生,成為了中小企業(yè)除銀行等金融機構(gòu)融資的補充來源。本文從投資公司的視角考慮,以股權(quán)及債權(quán)相結(jié)合的模式來探討及實施對中小企業(yè)進(jìn)行融資可行性及相對全面的操作方案,通過投資公司對中小企業(yè)基礎(chǔ)信息的了解,設(shè)計出安全控制資金使用方案,提出了投資公司在對中小企業(yè)融資業(yè)務(wù)受理條件、評估審計、流程控制、審批通過、貸后管理等針對適合我國的中小企業(yè)融資在理論與實操相結(jié)合的有效方案。 本文一共分為五個部分,第一部分是緒論,簡單的介紹了中小企業(yè)融資的方式、研究背景、研究的目的和研究的意義以及研究的現(xiàn)狀；第二部分是中小企業(yè)融資的理論分析部分,介紹了我國的中小企業(yè)的發(fā)展概況與發(fā)展趨勢,著重介紹了在當(dāng)前的經(jīng)濟環(huán)境下,中小企業(yè)融資難的境地,進(jìn)而分析融資難所產(chǎn)生的原因,并初步提出了解決中小企業(yè)融資難的相應(yīng)對策。第三部分主要是投資公司解決中小企業(yè)融資過程的理論分析。本章介紹了投資公司可以作為銀行的替代品,來解決中小企業(yè)融資難的問題及大致流程和控制手段,通過對中小企業(yè)所需融資項目的分析、診斷、調(diào)研、評估來介紹投資公司在做項目投資上的管理尺度及標(biāo)準(zhǔn),進(jìn)而提出項目投資中常見的問題和需要注意的關(guān)鍵節(jié)點,并提出了相應(yīng)的建議和手段來解決這些問題。接著通過例證利用中小企業(yè)融資的分類,來揭示不同類型的投資業(yè)務(wù)中隱藏著的不同等級的風(fēng)險；第四部分為投資公司對中小企業(yè)投資項目操作分析,本章通過在當(dāng)前對房地產(chǎn)項目嚴(yán)格控制的環(huán)境之下,Z投資有限公司對貴州H公司房地產(chǎn)公司PE(股權(quán)投資)投資的案例來全面展示了投資公司在辦理中小企業(yè)融資業(yè)務(wù)的整個流程,從項目受理時交易結(jié)構(gòu)的確立、風(fēng)控措施的選擇、交易對手的全方位分析、房地產(chǎn)政策的解讀、項目的整體評估、風(fēng)險評估等方面展示了投資公司對整個融資業(yè)務(wù)貫通性的分析方法；第五部分為全文的結(jié)論。
[Abstract]:In the more than 30 years of economic transformation, promotion and rapid development of our country, the proportion of small and medium-sized enterprises has been continuously increasing. As a result, the small and medium-sized enterprises are faced with low profit margins and limited financing scale due to the restriction of their scale. The difficulties in financing financial institutions have become increasingly prominent. Shenzhen is at the forefront of reform and opening up. As an expanding channel for small and medium-sized enterprises to raise funds, some investment companies, guarantee companies, equity investment companies, equity investment funds, Supply chain companies emerge as the times require, becoming a supplementary source of financing for small and medium-sized enterprises except banks and other financial institutions. This paper discusses and implements the financing feasibility and relatively comprehensive operation plan of small and medium-sized enterprises by the combination of equity and creditor's rights. Through the understanding of the basic information of small and medium-sized enterprises by investment companies, the scheme of using safe control funds is designed. This paper puts forward the effective scheme of the investment company to deal with the financing business of small and medium-sized enterprises, such as accepting the condition, evaluating the audit, controlling the flow, approving the approval, managing after the loan and so on, which is suitable for the financing of small and medium-sized enterprises suitable for our country in the combination of theory and practice. This paper is divided into five parts, the first part is the introduction, a brief introduction to the financing of small and medium-sized enterprises, the research background, the purpose and significance of the study and the status quo of the study; The second part is the theoretical analysis of the financing of small and medium-sized enterprises. It introduces the general situation and trend of the development of small and medium-sized enterprises in our country, focusing on the difficult situation of financing of small and medium-sized enterprises in the current economic environment. And then analyze the causes of financing difficulties, The third part is mainly about the theoretical analysis of investment companies to solve the financing process of small and medium-sized enterprises. This chapter introduces that investment companies can be used as a substitute for banks. To solve the problem of financing difficulties of small and medium-sized enterprises and the general process and control means. Through the analysis, diagnosis, investigation and evaluation of the financing projects needed by small and medium-sized enterprises, it introduces the management standards and standards of investment companies in making project investments. Then put forward the common problems in project investment and the key nodes to pay attention to, and put forward the corresponding suggestions and means to solve these problems. To reveal the different levels of risk hidden in different types of investment business. The fourth part is the operation analysis of investment companies to small and medium-sized enterprises investment projects. In this chapter, the case of investment in PE (equity investment) of real estate company of Guizhou H Company under the circumstance of strict control of real estate project is presented in order to show that the investment company is dealing with the financing of small and medium-sized enterprises. The whole process of the business, From the establishment of transaction structure, the choice of risk control measures, the comprehensive analysis of counterparty, the interpretation of real estate policy, the overall evaluation of the project, The risk assessment shows the analysis method of the whole financing business of the investment company. The fifth part is the conclusion of the paper.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F275;F832.39

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