摘 要

中小企業(yè)在我國經(jīng)濟(jì)和社會發(fā)展中具有舉足輕重的作用，在調(diào)整經(jīng)濟(jì)結(jié)構(gòu)、豐富和活躍市場、增加就業(yè)機(jī)會、發(fā)展地方經(jīng)濟(jì)、增加財(cái)政收入等方面都發(fā)揮著重要的作用。然而，融資難的問題一直困擾著xx經(jīng)貿(mào)公司的發(fā)展。同時(shí)結(jié)合目前爆發(fā)金融危機(jī)這個(gè)背景條件,深入分析xx經(jīng)貿(mào)公司融資存在的問題。指出xx經(jīng)貿(mào)公司融資中存在著直接融資渠道比較狹窄、融資成本和風(fēng)險(xiǎn)高，融資信用低，受政策性的歧視、社會金融服務(wù)不協(xié)調(diào)等現(xiàn)象。從中了解導(dǎo)致xx經(jīng)貿(mào)公司融資困境的原因是多方面的，包括xx經(jīng)貿(mào)公司自身的不足，金融機(jī)構(gòu)的壟斷，中小金融機(jī)構(gòu)發(fā)展的滯后，保護(hù)其發(fā)展的法規(guī)不健全,資本市場不完善等。所以文章深入分析xx經(jīng)貿(mào)公司融資存在的問題，探討并提出解決xx經(jīng)貿(mào)公司融資難的措施, 以便從根本上突破融資難的瓶頸。指出解決xx經(jīng)貿(mào)公司融資困境應(yīng)從提高xx經(jīng)貿(mào)公司自身競爭力、深化金融業(yè)改革、完善資本市場、加大政府支持力度, 加強(qiáng)社會化服務(wù)體系的建設(shè)等方面尋求對策。

關(guān)鍵詞 中小企業(yè) 融資 融資渠道

Abstract

Small and medium-sized enterprises in China's economic and social development that plays an important role in the economic restructuring, rich and the active market, increase employment opportunities, the development of the local economy, increase the fiscal income etc. Play an important role. However, financing difficult problem has been plagued by the development of economic and trade company Iowa tripod. In combination with the current outbreak financial crisis this background conditions, the thorough analysis hua ding trade company financing problems. Pointed out that China ding trade company financing channels exist in direct financing narrower, financing costs and risks, the financing of credit is low, high by policy discrimination, social financial services not harmonious wait for a phenomenon. Get lead to China trade financing difficulties of the tripod a variety of reasons, including hua ding trade company deficiencies, financial institutions of monopoly, small and medium sized financial institutions development lags behind, protect its development regulations is not perfect, capital market is not mature, etc. So this paper analysis hua tripod trading company financing problems, the author discusses and proposes the solution hua ding trade company difficulty of financing measures so as to fundamentally breakthrough difficulty of financing bottleneck. Pointed out China financing difficulties trading company ding ding trade company espects China competitiveness, deepening financial sector reform, improving capital market, strengthen government support, and strengthen the construction of socialization service system etc seek countermeasures.
Key Words Small and medium-sized enterprises Financing Financing channels

目 錄
摘 要 I
ABSTRACT II
目 錄 III
第1章 緒論 1
1.1研究背景 1
1.2國內(nèi)外研究現(xiàn)狀 2
1.2.1國外研究現(xiàn)狀 2
1.2.2國內(nèi)研究現(xiàn)狀 3
1.3本文研究內(nèi)容 4
第2章中小企業(yè)融資的理論概述 5
2.1融資的含義 6
2.1.1傳統(tǒng)的融資方法 6
2.1.2新融資方法 6
2.2融資結(jié)構(gòu)與資本結(jié)構(gòu) 8
2.3現(xiàn)代資本結(jié)構(gòu)理論 10
第3章XX經(jīng)貿(mào)公司融資現(xiàn)狀分析 13
3.1公司概況 13
3.1.1 XX經(jīng)貿(mào)公司自然概況簡介 13
3.1.2XX經(jīng)貿(mào)公司財(cái)務(wù)狀況 14
3.2XX經(jīng)貿(mào)公司在融資方面存在的主要問題 18
3.2.1.經(jīng)營管理方式陳舊 18
3.2.2融資渠道較窄 18
3.2.3XX經(jīng)貿(mào)公司財(cái)務(wù)管理缺乏科學(xué)性和透明度 19
3.3XX經(jīng)貿(mào)公司融資的問題分析 20
3.3.1企業(yè)自身方面 20
第4章XX經(jīng)貿(mào)公司融資問題的解決對策與建議 24
4.1加強(qiáng)公司經(jīng)營管理 24
4.1.1制定發(fā)展戰(zhàn)略和創(chuàng)新經(jīng)營管理 24
4.1.2加強(qiáng)市場開發(fā)選擇營銷戰(zhàn)略 24
4.1.3實(shí)施科學(xué)管理實(shí)現(xiàn)企業(yè)目標(biāo) 25
4.2拓寬融資渠道，降低融資成本 26
4.2.1銀行貸款 26
4.2.2其他企業(yè)或個(gè)人投資 26
4.2.3租賃融資 26
4.2.4無形資產(chǎn)擔(dān)保貸款 27
4.3增強(qiáng)財(cái)務(wù)管理水平 提高信用度 27
4.3.1加強(qiáng)財(cái)務(wù)管理 提高經(jīng)濟(jì)效益 27
4.3.2強(qiáng)化法人法律意識 提高財(cái)務(wù)人員業(yè)務(wù)素質(zhì) 28
4.3.3規(guī)范行為，樹立誠信觀念 29
結(jié)束語 30
致謝 31
參考文獻(xiàn) 32
附錄1
附錄2