TX公司融資困境及對策
發(fā)布時間：2018-08-07 07:58
【摘要】：在我國，中小企業(yè)數(shù)量龐大，，改革開放以來，其在分散經(jīng)濟風(fēng)險、熨平經(jīng)濟波動、深化經(jīng)濟體制改革、完善市場體系和市場競爭機制方面，都發(fā)揮了十分明顯的作用，其也在我國社會經(jīng)濟的發(fā)展中占有極其重要的地位。然而，由于受中小企業(yè)規(guī)模、國家政策、信用體系以及中小企業(yè)自身條件等因素的影響，近年來，融資難問題已經(jīng)成為大多數(shù)中小企業(yè)目前面臨的主要問題，也極大的阻礙了中小企業(yè)的發(fā)展進程。 在此種背景下，研究中小企業(yè)融資困境的問題，有助于向有關(guān)部門提供有效的經(jīng)濟信息和政策建議，同時有助于中小企業(yè)拓寬融資渠道、改善融資環(huán)境與結(jié)構(gòu)，突破融資瓶頸，促進其健康發(fā)展。 目前，政府、銀行、企業(yè)以及社會各界都已經(jīng)開始積極尋找解決中小企業(yè)融資難問題的辦法和對策，但這些研究多是從理論層面，而較少從實證研究的角度來分析。為彌補實證研究的不足，本論文從實際案例出發(fā)，選取一個中小企業(yè)的典型案例——TX公司的融資問題進行分析，深入探討中小企業(yè)融資困境的成因及應(yīng)對方法。首要工作是資料的收集，圍繞論題思路展開文獻研究、觀察研究、訪談、問卷調(diào)查等多種研究方法相結(jié)合的工作，深入研究造成TX公司融資困境的影響因素。其次，分別從國家政策、銀行信貸政策、信用擔(dān)保體系、行業(yè)特性、企業(yè)自身素質(zhì)、融資工具的認知等幾大方面分析其融資困境的成因。最后，針對這些影響因素提出相應(yīng)的解決對策、整改方案，借此幫助TX公司解決融資困境的現(xiàn)實難題，為其開辟新的融資道路。通過典型案例的示范作用，力圖從中找出一些解決問題的思路和方法，助力于我國中小企業(yè)的成長，解決其融資難的問題。本論題的宗旨在于擴寬中小企業(yè)經(jīng)營思路，切實解決融資問題，希望能夠為廣大中小企業(yè)提供參考性較強的理論意見和指導(dǎo)。
[Abstract]:In China, the number of small and medium-sized enterprises is huge. Since the reform and opening up, they have played a very obvious role in dispersing economic risks, ironing economic fluctuations, deepening economic system reform, and perfecting the market system and market competition mechanism. It also plays an extremely important role in the social and economic development of our country. However, due to the influence of such factors as the size of SMEs, national policies, credit system and the conditions of SMEs themselves, in recent years, financing difficulties have become the main problems faced by most SMEs. Also greatly hindered the small and medium-sized enterprise's development progress. In this context, the study of the financing dilemma of SMEs will help to provide effective economic information and policy advice to the relevant departments, at the same time, it will help SMEs to broaden their financing channels, improve the financing environment and structure, and break through the financing bottlenecks. To promote their healthy development. At present, the government, banks, enterprises and social circles have started to actively find ways and countermeasures to solve the financing difficulties of SMEs, but these studies are mostly from the theoretical level, but less from the perspective of empirical research. In order to make up for the deficiency of the empirical research, this paper selects a typical case of small and medium-sized enterprises (TX Company) to analyze the financing problems of TX Company, and probes into the causes and countermeasures of the financing dilemma of SMEs. The most important work is to collect the data and carry out the literature research, observation research, interview, questionnaire survey and other research methods around the topic, and deeply study the factors that affect the financing dilemma of TX Company. Secondly, the causes of financing dilemma are analyzed from the aspects of national policy, bank credit policy, credit guarantee system, industry characteristics, enterprises' own quality, and the cognition of financing tools. Finally, the paper puts forward the corresponding countermeasures to these influencing factors, and puts forward the reform plan, which can help TX Company solve the difficult problem of financing, and open up a new financing road for TX Company. Through the demonstration function of typical cases, this paper tries to find out some ideas and methods to solve the problems, to help the growth of small and medium-sized enterprises in our country, and to solve the problems of their financing difficulties. The purpose of this thesis is to broaden the management ideas of SMEs and to solve the financing problem in a practical way, hoping to provide reference theoretical advice and guidance for the majority of SMEs.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F406.7;F426.4
本文編號：2169384
[Abstract]:In China, the number of small and medium-sized enterprises is huge. Since the reform and opening up, they have played a very obvious role in dispersing economic risks, ironing economic fluctuations, deepening economic system reform, and perfecting the market system and market competition mechanism. It also plays an extremely important role in the social and economic development of our country. However, due to the influence of such factors as the size of SMEs, national policies, credit system and the conditions of SMEs themselves, in recent years, financing difficulties have become the main problems faced by most SMEs. Also greatly hindered the small and medium-sized enterprise's development progress. In this context, the study of the financing dilemma of SMEs will help to provide effective economic information and policy advice to the relevant departments, at the same time, it will help SMEs to broaden their financing channels, improve the financing environment and structure, and break through the financing bottlenecks. To promote their healthy development. At present, the government, banks, enterprises and social circles have started to actively find ways and countermeasures to solve the financing difficulties of SMEs, but these studies are mostly from the theoretical level, but less from the perspective of empirical research. In order to make up for the deficiency of the empirical research, this paper selects a typical case of small and medium-sized enterprises (TX Company) to analyze the financing problems of TX Company, and probes into the causes and countermeasures of the financing dilemma of SMEs. The most important work is to collect the data and carry out the literature research, observation research, interview, questionnaire survey and other research methods around the topic, and deeply study the factors that affect the financing dilemma of TX Company. Secondly, the causes of financing dilemma are analyzed from the aspects of national policy, bank credit policy, credit guarantee system, industry characteristics, enterprises' own quality, and the cognition of financing tools. Finally, the paper puts forward the corresponding countermeasures to these influencing factors, and puts forward the reform plan, which can help TX Company solve the difficult problem of financing, and open up a new financing road for TX Company. Through the demonstration function of typical cases, this paper tries to find out some ideas and methods to solve the problems, to help the growth of small and medium-sized enterprises in our country, and to solve the problems of their financing difficulties. The purpose of this thesis is to broaden the management ideas of SMEs and to solve the financing problem in a practical way, hoping to provide reference theoretical advice and guidance for the majority of SMEs.
【學(xué)位授予單位】：河北工業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F406.7;F426.4
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