發(fā)布時(shí)間：2018-03-20 11:17

  本文選題：中小型供水公司　切入點(diǎn)：市場(chǎng)化改革　出處：《安徽財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：水資源是人類生存極為重要的資源,在人們的生產(chǎn)與生活中,絕對(duì)缺少不了水的供應(yīng),毫不夸張的說(shuō),水資源已經(jīng)成為城市發(fā)展的命脈。中國(guó)的水資源及其匱乏,水資源的含量只占世界總量的6%,人均水資源量位列世界13個(gè)人均水資源最貧乏的國(guó)家之中。中國(guó)部分地區(qū)常年缺水,有些地方甚至沒(méi)水可用,這極大的阻礙了人們正常的生產(chǎn)與生活。 本文所闡述的是中小型供水公司,它們分布在我國(guó)廣大的地區(qū)內(nèi),哺育著數(shù)以億計(jì)的人民,為他們的生產(chǎn)與生活提供了必不可少的淡水資源,因此大力發(fā)展這類公司成為急需解決的問(wèn)題。中小型供水公司自有資金少、知名度不高、依靠?jī)?nèi)源性融資以及通過(guò)資本市場(chǎng)直接發(fā)行債券、股票等籌資方式進(jìn)行融資相當(dāng)困難,這就決定了中小型供水公司更加依賴于以銀行授信為主的間接融資。因此對(duì)于這類公司,通過(guò)提高技術(shù)水平、金融創(chuàng)新等手段,在提高綜合經(jīng)濟(jì)效益、有效控制風(fēng)險(xiǎn)的前提下,商業(yè)銀行應(yīng)積極給予信貸支持。這對(duì)實(shí)現(xiàn)商業(yè)銀行與供水公司之間的雙贏,具有十分重要的現(xiàn)實(shí)意義。 本文在參考已有的國(guó)內(nèi)相關(guān)文獻(xiàn)基礎(chǔ)上,針對(duì)當(dāng)前供水業(yè)市場(chǎng)化改革發(fā)展的情況,通過(guò)對(duì)某一案例的具體分析,總結(jié)出中小型供水公司的一般授信規(guī)律,并最終給出政策建議。全文共分為四章：第一章是導(dǎo)論,主要就本文選題背景、研究意義、研究?jī)?nèi)容、研究方法以及文獻(xiàn)綜述等進(jìn)行介紹；第二章是案例介紹,主要介紹了下借款主體的基本概況以及貸款所投入的項(xiàng)目建設(shè)的一些基本情況,包括公司的歷史發(fā)展、項(xiàng)目建設(shè)的背景與必要性、項(xiàng)目建設(shè)的內(nèi)容與實(shí)施進(jìn)度、項(xiàng)目建設(shè)的生產(chǎn)條件等；第三章是案例分析,即在商業(yè)銀行對(duì)供水公司進(jìn)行的授信分析基礎(chǔ)上,對(duì)商業(yè)銀行的授信分析結(jié)果進(jìn)行分析與歸納；第四章是結(jié)論與啟示,本章是論文的結(jié)尾章節(jié),通過(guò)對(duì)前文案例分析出的結(jié)果,針對(duì)性地給出建議,這其中包含了三大方面：政府、公司和銀行。它們?cè)趯?duì)于促進(jìn)我國(guó)中小型供水公司市場(chǎng)化、民營(yíng)化改革發(fā)展的過(guò)程中起著不同的作用,而只有這三者同心協(xié)力,共同努力,才能從真正意義上為我國(guó)中小型供水公司的改革發(fā)展保駕護(hù)航。
[Abstract]:Water resources are the most important resources for human survival. In people's production and life, there is absolutely no shortage of water supply. It is no exaggeration that water resources have become the lifeblood of urban development. Water resources account for only 6 percent of the world's total. Per capita water resources are among the 13 countries with the poorest per capita water resources in the world. This greatly hinders people's normal production and life. What we are talking about here are small and medium-sized water supply companies, which are spread across the vast areas of our country, feeding hundreds of millions of people and providing them with essential freshwater resources for their production and livelihood. Therefore, vigorously developing such companies has become an urgent problem. Small and medium-sized water supply companies have little capital and are not well known, and rely on endogenous financing and direct issuance of bonds and stocks through the capital market. This determines that small and medium-sized water supply companies rely more on indirect financing based on bank credit. Therefore, for such companies, under the premise of improving the overall economic efficiency and effectively controlling risks, by means of improving the technical level and financial innovation, Commercial banks should actively give credit support, which is of great practical significance to realize the win-win situation between commercial banks and water supply companies. On the basis of referring to the relevant domestic literature, this paper summarizes the general credit rules of the small and medium-sized water supply companies through the concrete analysis of a case in view of the current situation of the market reform and development of the water supply industry. Finally, the policy recommendations are given. The full text is divided into four chapters: the first chapter is an introduction, mainly on the background of this topic, research significance, research content, research methods and literature review; the second chapter is a case study. This paper mainly introduces the basic situation of the main body of the loan and some basic conditions of the project construction invested by the loan, including the historical development of the company, the background and necessity of the project construction, the content of the project construction and the progress of the project implementation. The third chapter is case analysis, that is, on the basis of credit analysis of commercial banks to water supply companies, the results of credit analysis of commercial banks are analyzed and summarized. Chapter 4th is the conclusion and inspiration. This chapter is the end of the paper, through the results of the previous case analysis, targeted recommendations, which include three aspects: the government, companies and banks. They promote the marketization of small and medium-sized water supply companies in China. Privatization plays different roles in the process of reform and development, and only these three make concerted efforts together, can the reform and development of small and medium-sized water supply companies in our country be protected in a real sense.
【學(xué)位授予單位】：安徽財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F299.24;F832.4

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