摘 要
在促进我国经济、社会发展的过程中,中小型企业可以为我国创造巨大的就业岗位,减轻我国的就业压力,保障我国的经济与社会的安定。资金是公司发展的一个关键因素,所以,如何有效地化解其资金困难显得尤为重大。
公司的筹资有两种类型:内部资金和外部资金。由于中小企业规模小,经营风险大,信息不够透明,难以从企业的外部筹集到融资。文章从企业财务的基本原理出发,从国内外的角度,对中小企业的发展现状进行了剖析,并就其原因进行了剖析,并针对这些问题,从设立中小企业经营管理体制、充分运用各种筹资手段、设立代理担保公司、设立中小型金融机构等方面进行了探讨。
关键词:中小企业 融资 融资方式
Abstract
In the process of promoting China's economic and social development, small and medium-sized enterprises can create huge jobs for China, reduce employment pressure in China, and ensure the stability of China's economy and society. Capital is a key factor for the company's development, so how to effectively resolve its financial difficulties is particularly important.
There are two types of company financing: internal funds and external funds. Due to the small scale of small and medium-sized enterprises, high operational risk and insufficient transparency of information, it is difficult to raise funds from outside the enterprise. Starting from the basic principles of enterprise finance, this paper analyzes the current situation of the development of small and medium-sized enterprises from the perspective of domestic and foreign countries, and analyzes its causes. In view of these problems, it discusses the establishment of the management system of small and medium-sized enterprises, the full use of various means of financing, the establishment of agency guarantee companies, and the establishment of small and medium-sized financial institutions.
Key words: SMEs financing financing methods
目 录
摘 要 I
Abstract II
1 前言 4
2 中小企业融资方式概论 5
2.1 融资的定义 5
2.2 企业融资方式的类型 6
2.3 影响企业融资方式选择的因素 7
2.3.1 企业所处的环境 7
2.3.2 不同类型中小企业对融资的不同要求 8
3 我国中小企业融资现状及存在的问题 8
3.1 我国中小企业融资现状 8
3.2 我国中小企业融资存在的问题 9
4 解决我国中小企业融资难题的对策 10
4.1 成立中小企业管理机构 10
4.1.1 建立信息平台,提高中小企业信息透明度 10
4.1.2 促进中小企业法律法规的完善,为中小企业争取优惠条件 11
4.2 规范企业财务管理,制定正确融资方案 11
4.2.1 规范企业财务管理,完善内源融资 11
4.2.2 聘请融资顾问,制定正确融资方案 12
4.3 充分利用和完善企业外源融资方式 13
4.3.1 中小企业板市场与风险投资 13
4.3.2 票据市场 14
5 结论 14
在促进我国经济、社会发展的过程中,中小型企业可以为我国创造巨大的就业岗位,减轻我国的就业压力,保障我国的经济与社会的安定。资金是公司发展的一个关键因素,所以,如何有效地化解其资金困难显得尤为重大。
公司的筹资有两种类型:内部资金和外部资金。由于中小企业规模小,经营风险大,信息不够透明,难以从企业的外部筹集到融资。文章从企业财务的基本原理出发,从国内外的角度,对中小企业的发展现状进行了剖析,并就其原因进行了剖析,并针对这些问题,从设立中小企业经营管理体制、充分运用各种筹资手段、设立代理担保公司、设立中小型金融机构等方面进行了探讨。
关键词:中小企业 融资 融资方式
Abstract
In the process of promoting China's economic and social development, small and medium-sized enterprises can create huge jobs for China, reduce employment pressure in China, and ensure the stability of China's economy and society. Capital is a key factor for the company's development, so how to effectively resolve its financial difficulties is particularly important.
There are two types of company financing: internal funds and external funds. Due to the small scale of small and medium-sized enterprises, high operational risk and insufficient transparency of information, it is difficult to raise funds from outside the enterprise. Starting from the basic principles of enterprise finance, this paper analyzes the current situation of the development of small and medium-sized enterprises from the perspective of domestic and foreign countries, and analyzes its causes. In view of these problems, it discusses the establishment of the management system of small and medium-sized enterprises, the full use of various means of financing, the establishment of agency guarantee companies, and the establishment of small and medium-sized financial institutions.
Key words: SMEs financing financing methods
目 录
摘 要 I
Abstract II
1 前言 4
2 中小企业融资方式概论 5
2.1 融资的定义 5
2.2 企业融资方式的类型 6
2.3 影响企业融资方式选择的因素 7
2.3.1 企业所处的环境 7
2.3.2 不同类型中小企业对融资的不同要求 8
3 我国中小企业融资现状及存在的问题 8
3.1 我国中小企业融资现状 8
3.2 我国中小企业融资存在的问题 9
4 解决我国中小企业融资难题的对策 10
4.1 成立中小企业管理机构 10
4.1.1 建立信息平台,提高中小企业信息透明度 10
4.1.2 促进中小企业法律法规的完善,为中小企业争取优惠条件 11
4.2 规范企业财务管理,制定正确融资方案 11
4.2.1 规范企业财务管理,完善内源融资 11
4.2.2 聘请融资顾问,制定正确融资方案 12
4.3 充分利用和完善企业外源融资方式 13
4.3.1 中小企业板市场与风险投资 13
4.3.2 票据市场 14
5 结论 14
参考文献 15