天津AG漁具有限公司融資策略探析
發(fā)布時(shí)間：2018-08-19 06:34
【摘要】：中小企業(yè)在我國的國民經(jīng)濟(jì)中扮演著愈加重要的角色，但是近些年來，由于融資難問題的困擾，其長(zhǎng)遠(yuǎn)的發(fā)展受到巨大的沖擊。為了能夠融通企業(yè)資金：客觀上，我們要多方力量齊抓共管；主觀上，中小企業(yè)亟待立足自身、了解融資環(huán)境、敢于和善于尋求更加有效的融資方式，走出融資困境。 AG漁具有限公司是眾多缺乏致命血液——資金的中小企業(yè)之一，它采取了一定的應(yīng)對(duì)措施來解決融資難，但仍不時(shí)面臨著資金的周轉(zhuǎn)困難，因此我們必須繼續(xù)尋找新的融資策略，來解決其融資難題。通過分析AG漁具有限公司的生產(chǎn)經(jīng)營特點(diǎn)，找到其現(xiàn)有融資方式的弊端，并對(duì)比在中小企業(yè)中現(xiàn)行的眾多融資策略哪些適合AG漁具有限公司，選出真正適合AG漁具有限公司的融資策略，助力AG漁具有限公司緩解融資難題。 具體而言，中小企業(yè)所面對(duì)的融資困境源自于外部因素和企業(yè)內(nèi)部的因素。外部因素包括：第一，政策和法規(guī)支持力度不夠；第二，銀行方面的偏向。而企業(yè)內(nèi)部因素指的是在中小企業(yè)的出現(xiàn)和壯大過程中存在許多先天不足和缺陷，比如企業(yè)自有資金不足、人才很匱乏、企業(yè)的擔(dān)保抵押物品缺乏等。但最致命的是企業(yè)固有的觀念，即它閉門發(fā)展，不主動(dòng)和銀行搞好關(guān)系，而使中小企業(yè)負(fù)債能力極為有限。針對(duì)文章所研究的企業(yè)，它面臨著單位產(chǎn)品利潤(rùn)小，原材料的資金占用量大，生產(chǎn)能力不足，用工荒、用工貴，成本高及匯率變動(dòng)對(duì)其影響大的問題。面對(duì)這些融資問題，企業(yè)的現(xiàn)行融資方式是民間借貸融資，使得企業(yè)能夠獲得生產(chǎn)訂單所需產(chǎn)品的進(jìn)口原材料、多臺(tái)機(jī)器設(shè)備機(jī)組同時(shí)運(yùn)作等資金，從而把大訂單按期交貨，達(dá)到留住客戶，維護(hù)品牌的目的。但是企業(yè)并沒有因?yàn)楝F(xiàn)有的融資方式而根除其資金不定期短缺的情況，總結(jié)為治標(biāo)不治本、易復(fù)發(fā)且高成本。因而很需要企業(yè)尋求到融資策略的改進(jìn)與完善。 這就有賴于企業(yè)對(duì)自身特點(diǎn)的觀察與運(yùn)用，第一，要?jiǎng)?chuàng)新融資方式就要看到企業(yè)企業(yè)的生產(chǎn)能力受限，而單鉤更是眾多鉤型的雛形，很有必要采取融資租賃的方式融資來增加單鉤的設(shè)備機(jī)組以改善訂單量與生產(chǎn)能力不匹配的現(xiàn)狀。然后，企業(yè)擁有穩(wěn)定的國外市場(chǎng)和訂單，因此，它完全可以嘗試訂單融資。目前，互聯(lián)網(wǎng)已經(jīng)在經(jīng)濟(jì)生活和社會(huì)生活中扮演著越來越重要的角色。而互聯(lián)網(wǎng)信貸就是一種很便利的融資方式，P2P融資更加的透明和高效，而且當(dāng)信用被出資方認(rèn)可，貸款利率就會(huì)降低很多，它是民間借貸融資的升級(jí)版展示，吸引著企業(yè)為其所用。第二，企業(yè)必須要提高自身的素質(zhì)，首先，企業(yè)需要從重視人才培養(yǎng)開始。引進(jìn)人才是企業(yè)良性發(fā)展的首要一環(huán)、是科技創(chuàng)新的源泉；其次，應(yīng)該需要重視現(xiàn)有員工的工資發(fā)放的問題；再次，企業(yè)要加強(qiáng)和銀行的溝通和交流，給企業(yè)以全面詳實(shí)的備查資料，方便銀行的查閱和考察，給銀行留下好印象。第三，是獲取外部支持，這體現(xiàn)在以國家政策為標(biāo)桿，以銀行的要求為準(zhǔn)繩。 解決中小企業(yè)的融資難問題，我們要以科學(xué)發(fā)展觀為指導(dǎo)，多管齊下才能有強(qiáng)度緩解這些各具特點(diǎn)的融資難。第一，中小企業(yè)本身應(yīng)遵循市場(chǎng)經(jīng)濟(jì)的發(fā)展要求，加強(qiáng)企業(yè)的內(nèi)部管理，提高經(jīng)營決策等管理水平來提高決策水平，通過改組和優(yōu)化企業(yè)結(jié)構(gòu)，激發(fā)企業(yè)自我完善和嚴(yán)格管理的動(dòng)力，形成企業(yè)的科學(xué)管理新模式；第二，法律制度和國家政策應(yīng)當(dāng)給中小企業(yè)更多的關(guān)注；第三，中小企業(yè)應(yīng)自省，發(fā)現(xiàn)自己的融資難原因出在哪，一定要形成信用觀念，實(shí)事求是的生產(chǎn)經(jīng)營和做賬報(bào)稅，贏得銀行的信任。 我們要用科技創(chuàng)新武裝企業(yè)，給AG漁具有限公司帶來便利和高效的融資。AG漁具有限公司是千萬中小企業(yè)的縮影，，當(dāng)他們資金運(yùn)轉(zhuǎn)遇到了困境，需要我們把知識(shí)的力量澆灌到實(shí)踐中去，共同尋求中小企業(yè)的良性發(fā)展，促進(jìn)經(jīng)濟(jì)繁榮。
[Abstract]:Small and medium-sized enterprises play an increasingly important role in China's national economy, but in recent years, their long-term development has been greatly impacted by the difficulty of financing. In order to be able to accommodate enterprise funds: objectively, we should grasp the joint management of various forces; subjectively, small and medium-sized enterprises need to be based on their own, understand the financing environment. Dare and be good at seeking more effective financing ways to get out of financing difficulties.
AG Fishing Tools Co., Ltd. is one of the many small and medium-sized enterprises which lack of fatal blood-capital. It has taken certain measures to solve the financing difficulties, but it still faces the difficulties of capital turnover from time to time. Therefore, we must continue to find new financing strategies to solve its financing problems. This paper analyzes the production and operation of AG Fishing Tools Co., Ltd. Characteristics, find out the shortcomings of its existing financing methods, and compare the existing financing strategies in small and medium-sized enterprises which are suitable for AG Fishing Tools Limited, select the financing strategy that is really suitable for AG Fishing Tools Limited, help AG Fishing Tools Limited to alleviate financing difficulties.
Specifically, the financing difficulties faced by SMEs originate from external factors and internal factors. The external factors include: first, insufficient support of policies and regulations; second, bank bias. For example, the enterprises are short of funds, lack of talents, and lack of collateral collateral. But the most lethal is the enterprise's inherent concept, that is, it is closed-door development, not actively and the bank to do a good relationship, so that the small and medium-sized enterprises debt capacity is extremely limited. Faced with these financing problems, the current financing mode of enterprises is non-governmental borrowing and financing, which enables enterprises to obtain imported raw materials for the production of the products required by the order, and more than one machine and equipment units operate simultaneously. Large orders are delivered on schedule to retain customers and maintain the brand. However, the enterprises have not eliminated the irregular shortage of funds because of the existing financing methods, which is summarized as the treatment of symptoms, easy recurrence and high cost.
This depends on the observation and application of the enterprise's own characteristics. Firstly, to innovate financing methods, we must see that the enterprise's production capacity is limited, and the single hook is the rudiment of many hooks. It is necessary to adopt financing lease to increase the single hook equipment units to improve the status of order quantity and production capacity mismatch. At present, the Internet has played an increasingly important role in economic and social life. Internet credit is a very convenient way of financing, P2P financing is more transparent and efficient, and when credit is recognized by the investors, Loan interest rate will be much lower, it is an upgraded version of private lending and financing show, attracting enterprises to use. Second, enterprises must improve their own quality, first of all, enterprises need to start from attaching importance to personnel training. Third, to obtain external support, which is reflected in the national policy as the benchmark and the bank's requirements as the criterion.
In order to solve the financing problem of small and medium-sized enterprises, we should take the scientific development concept as the guidance, and take all measures to ease the financing difficulties with different characteristics.First, small and medium-sized enterprises themselves should follow the requirements of the development of market economy, strengthen the internal management of enterprises, improve the management level of business decisions to improve the level of decision-making, through reorganization and decision-making. Optimize the structure of enterprises, stimulate the motive force of self-improvement and strict management of enterprises, and form a new scientific management model of enterprises; second, the legal system and national policies should be given more attention to SMEs; third, SMEs should self-examination, find out the reasons for their financing difficulties, must form the concept of credit, practical production. Business and accounts, tax returns, win the trust of banks.
AG Fishing Tools Co., Ltd. is the epitome of tens of millions of small and medium-sized enterprises. When their funds run into difficulties, we need to infuse the power of knowledge into practice to jointly seek the healthy development of small and medium-sized enterprises and promote economic prosperity.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F426.8;F406.7
本文編號(hào)：2190950
[Abstract]:Small and medium-sized enterprises play an increasingly important role in China's national economy, but in recent years, their long-term development has been greatly impacted by the difficulty of financing. In order to be able to accommodate enterprise funds: objectively, we should grasp the joint management of various forces; subjectively, small and medium-sized enterprises need to be based on their own, understand the financing environment. Dare and be good at seeking more effective financing ways to get out of financing difficulties.
AG Fishing Tools Co., Ltd. is one of the many small and medium-sized enterprises which lack of fatal blood-capital. It has taken certain measures to solve the financing difficulties, but it still faces the difficulties of capital turnover from time to time. Therefore, we must continue to find new financing strategies to solve its financing problems. This paper analyzes the production and operation of AG Fishing Tools Co., Ltd. Characteristics, find out the shortcomings of its existing financing methods, and compare the existing financing strategies in small and medium-sized enterprises which are suitable for AG Fishing Tools Limited, select the financing strategy that is really suitable for AG Fishing Tools Limited, help AG Fishing Tools Limited to alleviate financing difficulties.
Specifically, the financing difficulties faced by SMEs originate from external factors and internal factors. The external factors include: first, insufficient support of policies and regulations; second, bank bias. For example, the enterprises are short of funds, lack of talents, and lack of collateral collateral. But the most lethal is the enterprise's inherent concept, that is, it is closed-door development, not actively and the bank to do a good relationship, so that the small and medium-sized enterprises debt capacity is extremely limited. Faced with these financing problems, the current financing mode of enterprises is non-governmental borrowing and financing, which enables enterprises to obtain imported raw materials for the production of the products required by the order, and more than one machine and equipment units operate simultaneously. Large orders are delivered on schedule to retain customers and maintain the brand. However, the enterprises have not eliminated the irregular shortage of funds because of the existing financing methods, which is summarized as the treatment of symptoms, easy recurrence and high cost.
This depends on the observation and application of the enterprise's own characteristics. Firstly, to innovate financing methods, we must see that the enterprise's production capacity is limited, and the single hook is the rudiment of many hooks. It is necessary to adopt financing lease to increase the single hook equipment units to improve the status of order quantity and production capacity mismatch. At present, the Internet has played an increasingly important role in economic and social life. Internet credit is a very convenient way of financing, P2P financing is more transparent and efficient, and when credit is recognized by the investors, Loan interest rate will be much lower, it is an upgraded version of private lending and financing show, attracting enterprises to use. Second, enterprises must improve their own quality, first of all, enterprises need to start from attaching importance to personnel training. Third, to obtain external support, which is reflected in the national policy as the benchmark and the bank's requirements as the criterion.
In order to solve the financing problem of small and medium-sized enterprises, we should take the scientific development concept as the guidance, and take all measures to ease the financing difficulties with different characteristics.First, small and medium-sized enterprises themselves should follow the requirements of the development of market economy, strengthen the internal management of enterprises, improve the management level of business decisions to improve the level of decision-making, through reorganization and decision-making. Optimize the structure of enterprises, stimulate the motive force of self-improvement and strict management of enterprises, and form a new scientific management model of enterprises; second, the legal system and national policies should be given more attention to SMEs; third, SMEs should self-examination, find out the reasons for their financing difficulties, must form the concept of credit, practical production. Business and accounts, tax returns, win the trust of banks.
AG Fishing Tools Co., Ltd. is the epitome of tens of millions of small and medium-sized enterprises. When their funds run into difficulties, we need to infuse the power of knowledge into practice to jointly seek the healthy development of small and medium-sized enterprises and promote economic prosperity.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F426.8;F406.7
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本文編號(hào)：2190950
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