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论文编号：	8884
作者编号：	2120142869
上传时间：	2016/12/9 15:24:46
中文题目：	XY商业保理公司融资问题研究
英文题目：	Research on Financing Problem of XY Commercial Factoring Company
指导老师：	王曼舒
中文关键字：	商业保理；融资管理；融资结构；资产证券化
英文关键字：	Commercial factoring；Financing management；Capital Structure；Asset securitization
中文摘要：	商业保理是由商业保理公司提供的集贸易融资、销售分户账管理、客户资信调查与评估、应收账款管理与催收、信用风险担保于一体的综合性金融服务。商业保理在扩大出口、促进流通、支持中小商贸企业发展等方面发挥着重要作用，是破解中小微型企业融资困局，支撑我国实体经济发展的有效途径。自2012年开展试点以来，我国商业保理行业业务规模高速增长，企业数量迅速增加，业务模式不断创新。对于商业保理企业而言，融资问题是制约商业保理公司发展的主要瓶颈，疏通融资链条是商业保理企业提升保理服务价值、抢占发展机遇并获得可持续发展的首要命题。 本文以作者所在的XY商业保理公司为研究对象，综合运用文献研究法、比较分析法、实证分析法等研究方法，基于对XY商业保理公司商业模式和融资现状的梳理，对融资影响因素及真实融资需求的分析，针对性地提出了融资管理优化措施及其实施保障与预期效果。本文共分为六章。第一章介绍了本文的研究背景与选题意义、研究内容和研究框架，罗列了本文的研究方法及创新点。第二章阐述了商业保理和融资的概念，回顾了企业融资基本理论，列举了具有重要参考价值的国内外相关文献。第三章介绍了XY商业保理公司的商业模式及融资现状，并对其融资存在的问题进行阐述。第四章为XY商业保理公司的融资管理优化设计。第五章为XY商业保理公司融资管理措施的实施与保障。第六章为本文的研究结论和发展展望。 经过分析，本文提出XY商业保理公司融资管理的优化建议，一是搭建合理的融资结构。提高直接融资比例、优化企业债务融资的期限结构、综合衡量融资成本控制高风险性融资的占比。二是丰富和优化融资渠道。巩固传统融资渠道，加强关系型融资体系的构建。以证券化、股权化、平台化为方向创新融资路径，构建和完善多元化、多渠道的融资网络。三是提升自身融资能力。加强专业经营水平，提升保理资产质量。重视企业资信建设，提高资信等级。为了有效实施融资管理优化措施，公司需要采取融资管理制度的健全、专业化融资团队的构建、融资风险管理的强化、融资过程管理的加强四项保障措施最终实现融资结构更合理、核心竞争能力和可持续发展能力提升的预期效果。
英文摘要：	Commercial factoring is an integrated financial service based on the way of trade credit and the assignment of accounts receivables provided by commercial companies. It consists of five kinds of services, trade financing, sales ledger accounts management, customer credit investigation and evaluation, accounts receivable management and collection, credit risks guarantee. Commercial factoring plays an important role in expanding exports, promoting circulation, and supporting the development of business, and it is an effective way to solve the financial difficult problem of small and medium-sized enterprise and support the real economy development of our country. Since 2012, the commercial factoring industry keeps a high-speed growth, rapidly increase and constantly innovation. For commercial factoring business, financing problem is the main bottleneck restricting the development of commercial factoring companies and solving financing difficulty is the key of factoring companies to improve the value of service, grab the development opportunities and get a sustainable development. In this dissertation, we take XY commercial factoring company as research object, use literature research, comparative analysis, empirical analysis and other research methods. The article put forward a series of suggestions to optimize the financing management of XY based on the analysis of present situation, influencing factors, real needs of financing activities and business model. In addition, the article put forward supporting implementation and effect of such suggestions. This dissertation consists of six chapters. The first chapter introduces the research background and significance, the research content and framework, lists the research methods and innovations of this article. The second chapter expounds the concept of factoring and financing, reviews the basic theory of corporate finance, and lists the related literature at home and abroad. The third chapter introduces the XY commercial factoring company’ financing status and business model, and evaluate its financing activity. The fourth chapter is the optimization design of corporate finance management. The fifth chapter lists theimplementation and guarantee of XY’s financing optimization management. The sixth chapter is the conclusion and development prospects of this research. Through analysis, this dissertation finally put forward the financing management optimization Suggestions of financing management for XY commercial factoring company. Firstly, set up a reasonable financing structure. XY should raise the proportion of direct financing, optimize the term structure of debt financing, measure the cost of financing comprehensively, and control the proportion of financing way in high risk. Secondly, rich and optimize the financing channels. Consolidate the traditional financing methods and strengthen the construction of relational financing system. Innovate in financing with the direction of securitization, capitalization and platform, build a diversified, multi-channel financing network and improve it. Thirdly, raise the ability of financing. XY commercial factoring company need to strengthen the professional management level, enhance the quality of factoring asset, improve the credit rating, sound financial management system and pay high attention to the cultivation of professionals. In order to implement financing optimization measures effectively, XY need to take four supporting measures such as a sound system of financial management, build a professional financing team, strength the risk and process management of financing to achieve the optimal effect of financing.
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