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论文编号：	10591
作者编号：	2120163184
上传时间：	2018/12/7 10:35:40
中文题目：	H小微企业融资问题与对策研究
英文题目：	Research on H Small and Micro Enterprise Financing Problems and Countermeasures
指导老师：	姚颐
中文关键字：	小微企业；融资；融资渠道；融资成本；融资风险
英文关键字：	small and micro enterprises;financing;financing channels; financing costs;financing risks
中文摘要：	随着经济的迅速发展，我国小微企业也逐渐成长起来，成为市场经济的重要组成部分。小微企业对于促进经济发展、增加就业、转变经济发展方式等都具有十分重要的意义。然而，一段时间以来，融资问题却阻碍了小微企业发展，对我国顺利实现发展方式转变、经济结构优化、增长动力转换等都产生了不利影响。通过分析小微企业的融资问题，进而寻求切实可行的解决方案，对于支持小微企业发展具有重要意义。 本文在融资相关理论的指导下，通过运用理论研究与案例分析相结合的方法，以H小微企业为研究对象，归纳了其发展中遇到的融资问题：融资渠道窄、融资成本高、融资风险大。对H公司融资问题的成因进行了系统而深入的分析，本文认为H公司融资问题的成因是多方面的，笔者着重从企业自身层面进行了探讨，规模小实力弱、治理结构不完善、财务制度不健全且管理水平低、缺少高质量抵押担保资产以及认资不缴资的现状都不同程度的导致了H公司融资问题的形成，而对于外部环境原因，笔者主要从J市政府及当地银行两方面进行了具体分析。 在以上分析的基础上，本文归纳了H公司融资问题解决的基本原则，并在该原则的指导下，从企业实际出发，尝试提出了解决融资问题的对策：提升企业自身素质、改进财务制度、提高资金使用效率、拓宽外源融资渠道以及重视风险的预防与控制。本文希望通过对H小微企业的研究，解决其融资问题的同时，也能为其他众多小微企业融资问题的解决提供一些借鉴。
英文摘要：	With the rapid development of the economy, China's small and micro enterprises have gradually grown up and become an important part of the market economy. Small and micro enterprises are of great significance for promoting economic development, increasing employment, and transforming the mode of economic development. However, for some time, the financing problem has hindered the development of small and micro enterprises, which has adversely affected China's smooth transformation of development mode, optimization of economic structure, and transformation of growth momentum. It is of great significance to support the development of small and micro enterprises by dividing the financing problems of small and micro enterprises and seeking practical solutions. Under the guidance of financing-related theories, this paper combines theoretical research with case analysis to take H small and micro enterprises as the research object, and summarizes the financing problems encountered in its development: narrow financing channels, high financing costs, financing risk is high. This paper systematically and deeply analyzes the causes of H company financing problems. This paper believes that the causes of H company financing problems are multi-faceted. The author focuses on the enterprise itself, the small scale strength is weak, the governance structure is imperfect, and the financial system unsound and low management level, the lack of high-quality mortgage-backed assets, and the status quo of non-payment of capital have led to the formation of financing problems of H company. For external environmental reasons, the author mainly from J city government and local banks. The aspect was analyzed in detail. On the basis of the above analysis, this paper summarizes the basic principles of H company financing problem solving, and under the guidance of this principle, from the actual situation of the enterprise, tries to put forward countermeasures to solve the financing problem: improve the quality of the enterprise, improve the financial system, improve the efficiency of capital use, expand external financing channels, and focus on risk prevention and control. This paper hopes to solve the financing problem through the research of H small and micro enterprise, and also provide some reference for the solution of many other small and micro enterprises financing problems.
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