TX公司融资困境及对策

发布时间：2018-08-07 07:58

【摘要】：在我国，中小企业数量庞大，，改革开放以来，其在分散经济风险、熨平经济波动、深化经济体制改革、完善市场体系和市场竞争机制方面，都发挥了十分明显的作用，其也在我国社会经济的发展中占有极其重要的地位。然而，由于受中小企业规模、国家政策、信用体系以及中小企业自身条件等因素的影响，近年来，融资难问题已经成为大多数中小企业目前面临的主要问题，也极大的阻碍了中小企业的发展进程。在此种背景下，研究中小企业融资困境的问题，有助于向有关部门提供有效的经济信息和政策建议，同时有助于中小企业拓宽融资渠道、改善融资环境与结构，突破融资瓶颈，促进其健康发展。目前，政府、银行、企业以及社会各界都已经开始积极寻找解决中小企业融资难问题的办法和对策，但这些研究多是从理论层面，而较少从实证研究的角度来分析。为弥补实证研究的不足，本论文从实际案例出发，选取一个中小企业的典型案例——TX公司的融资问题进行分析，深入探讨中小企业融资困境的成因及应对方法。首要工作是资料的收集，围绕论题思路展开文献研究、观察研究、访谈、问卷调查等多种研究方法相结合的工作，深入研究造成TX公司融资困境的影响因素。其次，分别从国家政策、银行信贷政策、信用担保体系、行业特性、企业自身素质、融资工具的认知等几大方面分析其融资困境的成因。最后，针对这些影响因素提出相应的解决对策、整改方案，借此帮助TX公司解决融资困境的现实难题，为其开辟新的融资道路。通过典型案例的示范作用，力图从中找出一些解决问题的思路和方法，助力于我国中小企业的成长，解决其融资难的问题。本论题的宗旨在于扩宽中小企业经营思路，切实解决融资问题，希望能够为广大中小企业提供参考性较强的理论意见和指导。
[Abstract]:In China, the number of small and medium-sized enterprises is huge. Since the reform and opening up, they have played a very obvious role in dispersing economic risks, ironing economic fluctuations, deepening economic system reform, and perfecting the market system and market competition mechanism. It also plays an extremely important role in the social and economic development of our country. However, due to the influence of such factors as the size of SMEs, national policies, credit system and the conditions of SMEs themselves, in recent years, financing difficulties have become the main problems faced by most SMEs. Also greatly hindered the small and medium-sized enterprise's development progress. In this context, the study of the financing dilemma of SMEs will help to provide effective economic information and policy advice to the relevant departments, at the same time, it will help SMEs to broaden their financing channels, improve the financing environment and structure, and break through the financing bottlenecks. To promote their healthy development. At present, the government, banks, enterprises and social circles have started to actively find ways and countermeasures to solve the financing difficulties of SMEs, but these studies are mostly from the theoretical level, but less from the perspective of empirical research. In order to make up for the deficiency of the empirical research, this paper selects a typical case of small and medium-sized enterprises (TX Company) to analyze the financing problems of TX Company, and probes into the causes and countermeasures of the financing dilemma of SMEs. The most important work is to collect the data and carry out the literature research, observation research, interview, questionnaire survey and other research methods around the topic, and deeply study the factors that affect the financing dilemma of TX Company. Secondly, the causes of financing dilemma are analyzed from the aspects of national policy, bank credit policy, credit guarantee system, industry characteristics, enterprises' own quality, and the cognition of financing tools. Finally, the paper puts forward the corresponding countermeasures to these influencing factors, and puts forward the reform plan, which can help TX Company solve the difficult problem of financing, and open up a new financing road for TX Company. Through the demonstration function of typical cases, this paper tries to find out some ideas and methods to solve the problems, to help the growth of small and medium-sized enterprises in our country, and to solve the problems of their financing difficulties. The purpose of this thesis is to broaden the management ideas of SMEs and to solve the financing problem in a practical way, hoping to provide reference theoretical advice and guidance for the majority of SMEs.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F406.7;F426.4

【参考文献】