本文選題：小微企業(yè) + 內(nèi)源融資　； 參考：《鄭州大學(xué)》2014年碩士論文

【摘要】：小微企業(yè)的生存發(fā)展及其融資問題,目前已成為全社會(huì)普遍關(guān)注的熱點(diǎn)問題。其原因在于,小微企業(yè)在很多經(jīng)濟(jì)體中對(duì)GDP的增加、稅收收入及擴(kuò)大就業(yè)等方面有著巨大的貢獻(xiàn)。但小微企業(yè)的融資,由于其發(fā)展過程中的特殊矛盾和特殊規(guī)律,使其融資難的問題發(fā)展成為一個(gè)世界性的難題,如何破解這一難題,已成為我國目前經(jīng)濟(jì)發(fā)展階段中亟需解決的重大課題。近幾年來,包括我國在內(nèi)的世界上很多國家和地區(qū)都已經(jīng)作出了大量的實(shí)踐探索,積累了很多實(shí)踐經(jīng)驗(yàn)。但在我國當(dāng)前復(fù)雜的經(jīng)濟(jì)形勢(shì)下,小微企業(yè)的融資問題還存在很多障礙,這其中既有小微企業(yè)自身的原因,比如其公司治理水平低、內(nèi)部管理存在缺陷等問題,也有銀行等金融機(jī)構(gòu)的原因,比如商業(yè)銀行在為小微企業(yè)提供金融服務(wù)的過程中創(chuàng)新不足、專業(yè)能力和專業(yè)化程度不強(qiáng)等原因,除此之外還有政府部門在立法、財(cái)稅等配套政策體系方面存在薄弱環(huán)節(jié),因此解決我國小微企業(yè)融資難的問題應(yīng)當(dāng)主要從以上三個(gè)方面著手。 寧波XX進(jìn)出口有限公司是一家成立時(shí)間不足5年的小微外貿(mào)企業(yè),其注冊(cè)資金為50萬元,發(fā)展至今,公司的總資產(chǎn)已達(dá)到數(shù)百萬元。根據(jù)寧波市外經(jīng)貿(mào)局和寧波市財(cái)政局發(fā)布的,2013年8月22日開始實(shí)施的《寧波市小微外貿(mào)企業(yè)融資幫扶資金使用辦法》第一章第四條之規(guī)定,小微外貿(mào)企業(yè)指的是具有自營進(jìn)出口經(jīng)營權(quán)且上年度出口實(shí)績小于500萬美元的外貿(mào)企業(yè)。該公司符合這-使用辦法對(duì)其所做的界定。在該公司發(fā)展的過程中,融資難成為一直困擾該公司發(fā)展壯大的首要問題,公司要想在現(xiàn)有的基礎(chǔ)上繼續(xù)做大做強(qiáng),首要解決的就是融資問題,這也是本文之所以以該公司作為案例來進(jìn)行分析的主要原因。寧波XX進(jìn)出口有限公司作為我國小微外貿(mào)企業(yè)的典型代表,其在發(fā)展經(jīng)營過程中所面臨的融資難的問題是我國絕大多數(shù)小微外貿(mào)企業(yè)所共同面臨的問題,因此其具有典型性,解決好寧波XX進(jìn)出口有限公司的融資難問題也能從一定意義上解決好我國小微外貿(mào)企業(yè)的融資難問題。本文試圖以寧波XX進(jìn)出口有限公司的融資難問題作為出發(fā)點(diǎn),探索出解決我國小微外貿(mào)企業(yè)融資問題的一些最佳實(shí)踐。
[Abstract]:The survival, development and financing of small and micro enterprises have become a hot issue in the whole society. The reason is that small and micro businesses have contributed significantly to GDP growth, tax revenues and job creation in many economies. However, the financing of small and micro enterprises, due to the special contradictions and special laws in the process of its development, makes the problem of financing difficult to develop into a worldwide problem, how to solve this problem, Has become our country present economic development stage in the urgent need to solve the important topic. In recent years, many countries and regions in the world, including China, have made a lot of practical exploration and accumulated a lot of practical experience. However, in the current complex economic situation of our country, there are still many obstacles to the financing problems of small and micro enterprises, which include the reasons of the small and micro enterprises themselves, such as the low level of corporate governance, the defects in internal management, and so on. There are also reasons for financial institutions such as banks, such as the lack of innovation by commercial banks in providing financial services to small and micro enterprises, the lack of professional competence and the degree of specialization, and other reasons. In addition, there are also government departments in the process of legislating. There are weak links in the supporting policy system such as finance and taxation, so the problem of financing of small and micro enterprises in China should be solved mainly from the above three aspects. Ningbo XX Import and Export Co., Ltd. is a small micro-foreign trade enterprise with less than 5 years' establishment. Its registered capital is 500000 yuan, and its total assets have reached millions of yuan. According to the provisions of Chapter 1, Article 4, of the Ningbo Municipal Bureau of Foreign Trade and Economic Cooperation and the Ningbo Municipal Finance Bureau, which were issued by the Ningbo Municipal Bureau of Foreign Trade and Economic Cooperation and implemented on August 22, 2013, the measures for the use of financing and supporting funds for small and Micro Foreign Trade Enterprises in Ningbo, Small and micro foreign trade enterprises refer to foreign trade enterprises with self-operated import and export management and export performance of less than 5 million US dollars last year. The company conforms to the definition of the method of use. In the course of the development of the company, the difficulty in financing has been a major problem that has plagued the development and growth of the company. If the company wants to continue to become bigger and stronger on the existing basis, the most important solution to this problem is the financing problem. This is also the main reason why this article takes this company as a case to carry on the analysis. Ningbo XX Import and Export Co., Ltd., as a typical representative of small and micro foreign trade enterprises in China, faces the problem of financing difficulty in the process of development and operation, which is common to most of the small and micro foreign trade enterprises in our country, so it is typical. To solve the financing problem of Ningbo XX Import and Export Co., Ltd. Based on the financing difficulties of Ningbo XX Import and Export Co., Ltd., this paper attempts to explore some best practices to solve the financing problems of small and micro foreign trade enterprises in China.
【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F752.6;F740.45

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