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科技型中小企業融資問題研究.doc

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  • 更新時間:2014-02-27
  • 論文字數:16406
  • 當前位置論文閱覽室 > 論文范例 > 財務管理 >
  • 課題來源:(劉教授)提供原創文章

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摘要:近幾年來,科技型中小企業已經成為國民經濟的重要組成部分,是我國經濟轉型的一個重點。而融資難問題則一直困擾著我國的中小企業,同樣,科技型企業也不例外。企業融資的渠道有多種,但是隨著經濟的發展和科技型企業的不斷增加,融資問題就顯現出來了,企業運用不適合自己的融資渠道進行融資會影響企業的融資效果,擔保體系的不完善會阻礙企業進行正常融資,政府對科技型企業的關注度不大,會使企業在融資上得不到更多優惠,民間借貸市場的壯大增加了科技型企業對資金的需求,但融資環境卻影響了企業的前進,銀行信貸作用直接關系著企業貸款的難易程度,企業自身的問題是根本性的,要完善優化這些融資問題,就必須要理論聯系實際,從實際問題著手,提出有針對性的解決方案。

   本文以科技型中小企業為研究背景,主要利用國內外已有的研究成果,結合國內科技型中小企業的融資現狀,分析江蘇格美高科技發展有限公司的融資現狀,提出該公司在融資上存在的問題,并針對問題提出完善公司融資難的有效對策。

關鍵詞  內源融資;外源融資;債券;融資租賃

 

Abstract:Over the past few years, the technology-based SMEs have become an important part of the national economy, which is a focus of China's economic transformation. However, the financing problems have been greatly made China's SMEs puzzled and there is no exception for science and technology enterprises. There are a variety of corporate finance channels. However, with the increasing of economic development and scientific and technological enterprises, financing problems appeared. Some enterprises use channels for financing, which is not fit for his company will affect the effect of corporate finance. The faultiness of the guarantee system will greatly hinder the normal financing. Government neglects some science and technology enterprises, which makes the enterprise has no more favorable financing. The growth of the private lending market has increased the demand for science and technology enterprises. However, financing environment has affected the development of business. The function of the bank credit is directly related to the role of corporate loans. Enterprise's own problem is fundamental. In order to improve these financing problems, it is necessary to integrate theory with practice. Try best to proceed from the practical problems, and propose targeted solutions.

   This paper is researched under the background of SMEs. It mainly takes advantage of the existing research results at home and abroad. It analyzes the current financing situation of Jiangsu GMMEI high-tech Development Co., Ltd combined with the current financing situation of SMEs at home and abroad. So as to put forward the problems of the company, and propose effective countermeasures to improve the company’s financing difficulties. 

Keywords  Endogenous financing  Exogenous financing  Bonds  Financing lease

 

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