我国财务公司资金管理问题研究

发布时间：2018-05-04 17:53

  本文选题：财务公司 + 企业集团　； 参考：《对外经济贸易大学》2017年硕士论文

【摘要】：企业集团财务公司是我国推动大型企业发展改革的产物,以服务实体经济作为目标,为企业集团提供综合化的金融支持,一直以来行业整体资产质量良好,盈利水平不断提高,尤其是在目前国内外经济下行的大环境中依旧能保持稳步上升的发展态势。但与其他金融机构相比,财务公司的发展历程尚短,受内部管理水平及外部监管条件的限制,财务公司的资金管理模式仍处于简单粗放型,同质化问题明显。因而本文期望通过对财务公司资金管理问题的研究分析,为其在资金管理上精益化、多元化的发展提出一些可供参考的建议。本文就以下几个方面对财务公司资金管理中存在的问题展开论述:首先对企业集团财务公司以及资金管理的相关概念进行了阐述,指出了财务公司资金管理的必要性,为后文研究做好铺垫。其次,文章对财务公司行业年鉴及财务报表数据进行分析,并在关键问题上引入商业银行财务数据进行横向比较,针对差异点构建多元回归方程,力求更深入的剖析财务公司资金管理中存在的问题。从内外部两方面对财务公司资金管理中存在的诸如资金来源单一、业务范围狭窄等现行问题的原因进行了分析。为了将共性问题与特性问题结合分析,本文融入了A财务公司的实例分析,对行业普遍存在的问题进行了实证探讨。文章的最后对中外财务公司资金管理进行了比较并汲取了有利于我国财务公司发展的经验,提出加强资金归集、开拓外源性融资渠道、拓宽业务范围、细化监管等具体建议。
[Abstract]:Enterprise Group Finance Company is the product of promoting the development and reform of large enterprises in our country. It aims at serving the real economy and providing comprehensive financial support to the enterprise groups. The overall assets quality of the industry has been good and the profit level has been improving continuously. Especially in the current domestic and foreign economic downturn environment can still maintain a steady rise in the development trend. However, compared with other financial institutions, the development history of financial companies is still short. Limited by the level of internal management and external supervision, the financial companies' capital management model is still in a simple and extensive type, and the homogeneity problem is obvious. Therefore, this paper hopes to put forward some suggestions for the lean and diversified development of the financial company through the research and analysis of the financial company's capital management. This paper discusses the problems existing in the capital management of financial companies in the following aspects: firstly, it expounds the related concepts of financial companies of enterprise groups and capital management, and points out the necessity of capital management of financial companies. For the following research to do a good job. Secondly, the paper analyzes the financial company's industry yearbook and financial statement data, and introduces the commercial bank financial data to carry on the horizontal comparison on the key question, constructs the multivariate regression equation according to the difference point, Strive to more in-depth analysis of financial companies in the management of funds problems. This paper analyzes the causes of the current problems such as the single source of funds and the narrow scope of business in the financial company's fund management from the internal and external aspects. In order to combine the common problem with the characteristic problem, this paper combines the case analysis of A Finance Company, and makes an empirical study on the common problems in the industry. At the end of the article, the author compares the fund management of Chinese and foreign financial companies and draws on the experience that is beneficial to the development of Chinese financial companies, and puts forward some concrete suggestions, such as strengthening the collection of funds, opening up external financing channels, widening the scope of business, and refining supervision and so on.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.39;F830.42
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本文编号：1844000