华友电缆有限公司融资障碍及对策研究毕业论文.docVIP

毕业论文 （20_ _届） 华友电缆有限公司融资障碍及对策研究 摘 要 随着经济全球化进程的步伐加快，国际经济界大多认为，中小企业是21世纪经济发展的主力，我国更是对促进中小企业发展问题给予高度重视。尽管目前我国为中小企业提供了较好的发展环境，但是与大型企业相比，融资问题的存在成了制约着中小企业持续、健康、快速发展的瓶颈，导致中小企业存在在资金、技术、人力资源一系列相关问题。本文在分析浙江中小企业华友电缆有限公司融资特点的基础上，按照“提出问题——分析问题——解决问题”的思路，深度剖析中小企业融资困境与成因，指出中小企业自身经营存在的问题、金融体系相对不成熟和政府扶持力度不足是其根本原因，并从建立中小企业行业协会、进行供应链融资等方面提出了中小企业如何突破间接融资困境的具体举措，以缓解中小企业抵押劣势、融资道德风险和逆向选择的问题，实现一种更合理有效的融资担保机制，达到互惠共赢的局面。 关键词： Abstract As the development of economic globalization，it is generally agreed among international community of economics that small and medium enterprises are the main forces of economic development in 21 century. our country is also pay highly attention to promote development of small and medium-sized enterprises.Although in China SMEs has been providing a good development environment, compared with large enterprises, the existence of financing for SMEs has become restricted the sustained, healthy and rapidly development of the bottleneck, leading to the existence of SMEs in the capital, technology, a series of related human resources issues. Hurray cable financing in the analysis of the characteristics, the paper in accordance with the ask questions - of the problem - to solve the problem of ideas, depth of analysis of SME financing difficulties and the causes that operate their own problems of SMEs, the financial system is relatively immature and lack of government support is the root cause, and from the establishment of small and medium industry associations, finance and build the supply chain for SMEs to break the dilemma of indirect financing of specific initiatives to ease the security weaknesses of SMEs, financing moral hazard and adverse selection problems and achieve a more reasonable and effective security for financing mechanisms to achieve mutual benefit situation. Keywords: financing secured; industry associations; supply chain financing目 录 1 企业融资理论 1 1.1 MM理论 2 1.2 平衡理论 2 1.3 优序融资理论 2 1.4 企业金融成长周期理论 3 2 华友电缆有限公司融资现状及问题分析 4 2.1 拥有良好的信用记录，从而保证银行信贷率 4