宜宾TZ融资担保公司发展探析

发布时间：2018-05-12 14:01

本文选题：宜宾TZ融资担保公司 + SWOT分析　；参考：《西南财经大学》2013年硕士论文

【摘要】：在我国,中小企业对促进国民经济的发展起着重要作用,在推动地方经济发展、增加经济活力、推动技术创新等方面起着重要的作用。我国中小企业规模小、经营不甚规范等特点,决定了其在融资上存在难度大且渠道单一的问题,这些困难的存在严重阻碍了我国中小企业的发展。因此,在政府支持与市场需求的共同推动下,以缓解中小企业融资难、担保难的融资性担保公司应运而生。宜宾TZ融资担保公司(简称TZ担保公司)成立于2013年初,目前是四川省宜宾市大型融资担保公司之一,主要从事贷款担保、票据承兑担保等融资性担保业务。公司在成立的半年时间里取得了良好的成绩,获得当地金融办领导及业界同行的高度认可,为当地中小企业融资提供了便利。但是,TZ担保公司在发展过程中仍存在着问题,如营销方式单一、团队建设滞后、风险管理机制不健全、公司信息化建设进程缓慢等问题。作为公司的一名高层管理者,笔者期望通过运用所学管理知识对公司的经营和发展进行深入的探究,找出公司的发展瓶颈和问题所在原因,并制定合理可行的发展战略,以此促进TZ担保公司的全面健康与可持续发展。全文共分成五章：第一章绪论。本章简要阐述了本文的研究背景、研究对象以及研究内容,并给出了本文研究的内容框架和方法。第二章宜宾TZ融资担保公司的概况。本章介绍了公司成立的背景、发展历程以及现阶段公司存在的主要问题。第三章宜宾TZ融资担保公司战略分析。本章首先简要阐述了何谓企业战略管理,其次分别运用PEST分析法和五力分析法深入分析了公司面临的外部宏观、微观环境,最后进行公司的SWOT分析,剖析公司具备优劣势所对应的原因,为公司发展战略的制定做铺垫。第四章宜宾TZ融资担保公司发展战略制定。在前面分析的基础之上确定公司发展的指导思想和战略目标,制定了总体战略和竞争战略。第五章宜宾TZ融资担保公司战略实施与控制。本章围绕如何有效地保障公司发展战略的实施展开分析,针对公司存在的问题给出解决建议,对解决办法实施中可能存在的风险进行控制,并对解决措施进行动态评价和调整。本文创新点在于运用企业战略管理相关知识,站在公司发展和客户需求的双重角度,运用企业战略管理等相关知识,考虑了公司外部宏观环境和内部微观因素,结合地域特色和行业特征,针对性地制定适合Tz担保公司的发展战略和措施。笔者通过在西南财经大学两年EMBA课程的学习,对自身所在的TZ担保公司发展中存在的问题进行了深入分析,并给出了相应的改进建议,文中提到的部分建议措施正在实施中。如果本文也能对同行业相关融资机构以及担保公司的业务发展有一些参考价值,笔者将感到无比欣慰。当然,由于笔者的知识有限,文中难免有错误和疏漏之处,恳请各位老师学者不吝赐教。在此,谨以忠心的感谢!
[Abstract]:In China, small and medium enterprises play an important role in promoting the development of the national economy. It plays an important role in promoting the development of the local economy, increasing the economic vitality and promoting the technological innovation. The small and medium-sized enterprises in our country have the characteristics of small scale and unstandard operation, which have determined the difficulties and the single channel of the financing. These difficulties are difficult. The existence of the SMEs has seriously hindered the development of small and medium enterprises in our country. Therefore, under the mutual promotion of government support and market demand, the financing of small and medium-sized enterprises is difficult to relieve, and the financing Guarantee Corporation of security difficulty arises at the historic moment.
Yibin TZ financing Guarantee Corporation (TZ Guarantee Corporation) was established in early 2013. It is currently one of the large financing Guarantee Corporation of Yibin City, mainly engaged in financing guarantee such as loan guarantee, bill acceptance guarantee and so on. The company achieved good results in the half a year of the establishment, and obtained the leadership of the local finance office and the industry colleagues. Highly recognized, for local SMEs financing convenience.
However, there are still problems in the development process of the TZ Guarantee Corporation, such as the single marketing mode, the lag of team building, the unsound risk management mechanism and the slow process of the construction of the company information. As a senior manager of the company, the author expects to explore the management and development of the company deeply through the use of the management knowledge. Find out the bottlenecks and causes of the company's development, and formulate reasonable and feasible development strategies, so as to promote the comprehensive health and sustainable development of TZ Guarantee Corporation.
The full text is divided into five chapters.
The first chapter is an introduction. This chapter briefly describes the research background, research objects and research contents of this paper, and gives the framework and method of this study.
The second chapter is the overview of Yibin TZ financing Guarantee Corporation. This chapter introduces the background, the development course and the main problems of the company.
The third chapter is the strategic analysis of Yibin TZ financing Guarantee Corporation. Firstly, this chapter briefly describes the strategic management of enterprise. Secondly, we use PEST analysis and five force analysis to analyze the external macro and micro environment of the company. Finally, the company's SWOT analysis is carried out, and the reasons for the company's advantages and disadvantages are analyzed, and the development of the company is made for the company's development. Make a paving for the formulation of the strategy.
The fourth chapter of Yibin TZ financing Guarantee corporation development strategy formulation. On the basis of the previous analysis, the guiding ideology and strategic objectives of the company development are determined, and the overall strategy and competitive strategy are formulated.
The fifth chapter of Yibin TZ financing Guarantee corporation strategic implementation and control. This chapter focuses on how to effectively guarantee the implementation of the company's development strategy to analyze the implementation of the company's existing problems, to control the possible risks in the implementation of the solution, and the dynamic evaluation and adjustment of the solution measures.
The innovation point is to use the knowledge of enterprise strategic management, stand in the dual angle of company development and customer demand, use the knowledge of enterprise strategic management and so on, consider the external macro environment and internal microcosmic factors of the company, combine the regional characteristics and industry characteristics, and formulate the development strategy and measures suitable for the Tz Guarantee Corporation.
Through the study of the two-year EMBA course in Southwestern University of Finance and Economics, the author makes an in-depth analysis of the problems existing in the development of the TZ Guarantee Corporation in which it is located, and gives some suggestions for improvement. There will be some reference value for the exhibition, and I will feel great relief.
Of course, due to the limited knowledge of the author, there are unavoidable errors and omissions in the text. I would like to invite all the teachers and scholars to give you advice.

【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.39

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