天津AG渔具有限公司融资策略探析
发布时间：2018-08-19 06:34
【摘要】：中小企业在我国的国民经济中扮演着愈加重要的角色，但是近些年来，由于融资难问题的困扰，其长远的发展受到巨大的冲击。为了能够融通企业资金：客观上，我们要多方力量齐抓共管；主观上，中小企业亟待立足自身、了解融资环境、敢于和善于寻求更加有效的融资方式，走出融资困境。 AG渔具有限公司是众多缺乏致命血液——资金的中小企业之一，它采取了一定的应对措施来解决融资难，但仍不时面临着资金的周转困难，因此我们必须继续寻找新的融资策略，来解决其融资难题。通过分析AG渔具有限公司的生产经营特点，找到其现有融资方式的弊端，并对比在中小企业中现行的众多融资策略哪些适合AG渔具有限公司，选出真正适合AG渔具有限公司的融资策略，助力AG渔具有限公司缓解融资难题。 具体而言，中小企业所面对的融资困境源自于外部因素和企业内部的因素。外部因素包括：第一，政策和法规支持力度不够；第二，银行方面的偏向。而企业内部因素指的是在中小企业的出现和壮大过程中存在许多先天不足和缺陷，比如企业自有资金不足、人才很匮乏、企业的担保抵押物品缺乏等。但最致命的是企业固有的观念，即它闭门发展，不主动和银行搞好关系，而使中小企业负债能力极为有限。针对文章所研究的企业，它面临着单位产品利润小，原材料的资金占用量大，生产能力不足，用工荒、用工贵，成本高及汇率变动对其影响大的问题。面对这些融资问题，企业的现行融资方式是民间借贷融资，使得企业能够获得生产订单所需产品的进口原材料、多台机器设备机组同时运作等资金，从而把大订单按期交货，达到留住客户，维护品牌的目的。但是企业并没有因为现有的融资方式而根除其资金不定期短缺的情况，总结为治标不治本、易复发且高成本。因而很需要企业寻求到融资策略的改进与完善。 这就有赖于企业对自身特点的观察与运用，第一，要创新融资方式就要看到企业企业的生产能力受限，而单钩更是众多钩型的雏形，很有必要采取融资租赁的方式融资来增加单钩的设备机组以改善订单量与生产能力不匹配的现状。然后，企业拥有稳定的国外市场和订单，因此，它完全可以尝试订单融资。目前，互联网已经在经济生活和社会生活中扮演着越来越重要的角色。而互联网信贷就是一种很便利的融资方式，P2P融资更加的透明和高效，而且当信用被出资方认可，贷款利率就会降低很多，它是民间借贷融资的升级版展示，吸引着企业为其所用。第二，企业必须要提高自身的素质，首先，企业需要从重视人才培养开始。引进人才是企业良性发展的首要一环、是科技创新的源泉；其次，应该需要重视现有员工的工资发放的问题；再次，企业要加强和银行的沟通和交流，给企业以全面详实的备查资料，方便银行的查阅和考察，给银行留下好印象。第三，是获取外部支持，这体现在以国家政策为标杆，以银行的要求为准绳。 解决中小企业的融资难问题，我们要以科学发展观为指导，多管齐下才能有强度缓解这些各具特点的融资难。第一，中小企业本身应遵循市场经济的发展要求，加强企业的内部管理，提高经营决策等管理水平来提高决策水平，通过改组和优化企业结构，激发企业自我完善和严格管理的动力，形成企业的科学管理新模式；第二，法律制度和国家政策应当给中小企业更多的关注；第三，中小企业应自省，发现自己的融资难原因出在哪，一定要形成信用观念，实事求是的生产经营和做账报税，赢得银行的信任。 我们要用科技创新武装企业，给AG渔具有限公司带来便利和高效的融资。AG渔具有限公司是千万中小企业的缩影，，当他们资金运转遇到了困境，需要我们把知识的力量浇灌到实践中去，共同寻求中小企业的良性发展，促进经济繁荣。
[Abstract]:Small and medium-sized enterprises play an increasingly important role in China's national economy, but in recent years, their long-term development has been greatly impacted by the difficulty of financing. In order to be able to accommodate enterprise funds: objectively, we should grasp the joint management of various forces; subjectively, small and medium-sized enterprises need to be based on their own, understand the financing environment. Dare and be good at seeking more effective financing ways to get out of financing difficulties.
AG Fishing Tools Co., Ltd. is one of the many small and medium-sized enterprises which lack of fatal blood-capital. It has taken certain measures to solve the financing difficulties, but it still faces the difficulties of capital turnover from time to time. Therefore, we must continue to find new financing strategies to solve its financing problems. This paper analyzes the production and operation of AG Fishing Tools Co., Ltd. Characteristics, find out the shortcomings of its existing financing methods, and compare the existing financing strategies in small and medium-sized enterprises which are suitable for AG Fishing Tools Limited, select the financing strategy that is really suitable for AG Fishing Tools Limited, help AG Fishing Tools Limited to alleviate financing difficulties.
Specifically, the financing difficulties faced by SMEs originate from external factors and internal factors. The external factors include: first, insufficient support of policies and regulations; second, bank bias. For example, the enterprises are short of funds, lack of talents, and lack of collateral collateral. But the most lethal is the enterprise's inherent concept, that is, it is closed-door development, not actively and the bank to do a good relationship, so that the small and medium-sized enterprises debt capacity is extremely limited. Faced with these financing problems, the current financing mode of enterprises is non-governmental borrowing and financing, which enables enterprises to obtain imported raw materials for the production of the products required by the order, and more than one machine and equipment units operate simultaneously. Large orders are delivered on schedule to retain customers and maintain the brand. However, the enterprises have not eliminated the irregular shortage of funds because of the existing financing methods, which is summarized as the treatment of symptoms, easy recurrence and high cost.
This depends on the observation and application of the enterprise's own characteristics. Firstly, to innovate financing methods, we must see that the enterprise's production capacity is limited, and the single hook is the rudiment of many hooks. It is necessary to adopt financing lease to increase the single hook equipment units to improve the status of order quantity and production capacity mismatch. At present, the Internet has played an increasingly important role in economic and social life. Internet credit is a very convenient way of financing, P2P financing is more transparent and efficient, and when credit is recognized by the investors, Loan interest rate will be much lower, it is an upgraded version of private lending and financing show, attracting enterprises to use. Second, enterprises must improve their own quality, first of all, enterprises need to start from attaching importance to personnel training. Third, to obtain external support, which is reflected in the national policy as the benchmark and the bank's requirements as the criterion.
In order to solve the financing problem of small and medium-sized enterprises, we should take the scientific development concept as the guidance, and take all measures to ease the financing difficulties with different characteristics.First, small and medium-sized enterprises themselves should follow the requirements of the development of market economy, strengthen the internal management of enterprises, improve the management level of business decisions to improve the level of decision-making, through reorganization and decision-making. Optimize the structure of enterprises, stimulate the motive force of self-improvement and strict management of enterprises, and form a new scientific management model of enterprises; second, the legal system and national policies should be given more attention to SMEs; third, SMEs should self-examination, find out the reasons for their financing difficulties, must form the concept of credit, practical production. Business and accounts, tax returns, win the trust of banks.
AG Fishing Tools Co., Ltd. is the epitome of tens of millions of small and medium-sized enterprises. When their funds run into difficulties, we need to infuse the power of knowledge into practice to jointly seek the healthy development of small and medium-sized enterprises and promote economic prosperity.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.8;F406.7
本文编号：2190950
[Abstract]:Small and medium-sized enterprises play an increasingly important role in China's national economy, but in recent years, their long-term development has been greatly impacted by the difficulty of financing. In order to be able to accommodate enterprise funds: objectively, we should grasp the joint management of various forces; subjectively, small and medium-sized enterprises need to be based on their own, understand the financing environment. Dare and be good at seeking more effective financing ways to get out of financing difficulties.
AG Fishing Tools Co., Ltd. is one of the many small and medium-sized enterprises which lack of fatal blood-capital. It has taken certain measures to solve the financing difficulties, but it still faces the difficulties of capital turnover from time to time. Therefore, we must continue to find new financing strategies to solve its financing problems. This paper analyzes the production and operation of AG Fishing Tools Co., Ltd. Characteristics, find out the shortcomings of its existing financing methods, and compare the existing financing strategies in small and medium-sized enterprises which are suitable for AG Fishing Tools Limited, select the financing strategy that is really suitable for AG Fishing Tools Limited, help AG Fishing Tools Limited to alleviate financing difficulties.
Specifically, the financing difficulties faced by SMEs originate from external factors and internal factors. The external factors include: first, insufficient support of policies and regulations; second, bank bias. For example, the enterprises are short of funds, lack of talents, and lack of collateral collateral. But the most lethal is the enterprise's inherent concept, that is, it is closed-door development, not actively and the bank to do a good relationship, so that the small and medium-sized enterprises debt capacity is extremely limited. Faced with these financing problems, the current financing mode of enterprises is non-governmental borrowing and financing, which enables enterprises to obtain imported raw materials for the production of the products required by the order, and more than one machine and equipment units operate simultaneously. Large orders are delivered on schedule to retain customers and maintain the brand. However, the enterprises have not eliminated the irregular shortage of funds because of the existing financing methods, which is summarized as the treatment of symptoms, easy recurrence and high cost.
This depends on the observation and application of the enterprise's own characteristics. Firstly, to innovate financing methods, we must see that the enterprise's production capacity is limited, and the single hook is the rudiment of many hooks. It is necessary to adopt financing lease to increase the single hook equipment units to improve the status of order quantity and production capacity mismatch. At present, the Internet has played an increasingly important role in economic and social life. Internet credit is a very convenient way of financing, P2P financing is more transparent and efficient, and when credit is recognized by the investors, Loan interest rate will be much lower, it is an upgraded version of private lending and financing show, attracting enterprises to use. Second, enterprises must improve their own quality, first of all, enterprises need to start from attaching importance to personnel training. Third, to obtain external support, which is reflected in the national policy as the benchmark and the bank's requirements as the criterion.
In order to solve the financing problem of small and medium-sized enterprises, we should take the scientific development concept as the guidance, and take all measures to ease the financing difficulties with different characteristics.First, small and medium-sized enterprises themselves should follow the requirements of the development of market economy, strengthen the internal management of enterprises, improve the management level of business decisions to improve the level of decision-making, through reorganization and decision-making. Optimize the structure of enterprises, stimulate the motive force of self-improvement and strict management of enterprises, and form a new scientific management model of enterprises; second, the legal system and national policies should be given more attention to SMEs; third, SMEs should self-examination, find out the reasons for their financing difficulties, must form the concept of credit, practical production. Business and accounts, tax returns, win the trust of banks.
AG Fishing Tools Co., Ltd. is the epitome of tens of millions of small and medium-sized enterprises. When their funds run into difficulties, we need to infuse the power of knowledge into practice to jointly seek the healthy development of small and medium-sized enterprises and promote economic prosperity.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F426.8;F406.7
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