商业信用融资在创业型企业中的运用.docVIP

内 容 摘 要 目前诸多因素制约着创型企业的发展我国企业以内源融资为主,民间借贷融资活跃,很难从银行获得贷款,也难以从股票市场和债券市场获得融资,国家政策对支持企业融资的力度也不足,企业融资难长期以来一直是制约企业发展的瓶颈。所以企业必须根据自身情况,广辟融资渠道,充分利用内源融资、股权出让融资、银行担保贷款、典当融资、金融租赁、吸引风险投资和民间融资、利用自身商业信用融资等方式来解决资金瓶颈。 Currently, many factors restricting the development of innovative SMEs , including financing difficulties is a prominent problem. Since the source of SME financing within the main active private lending facility , it is difficult to obtain loans from the bank , it is difficult from the stock and bond markets to obtain financing to support the national policy on SME financing too weak , long-term financing of SMEs has been a bottleneck restricting the development of SMEs . Therefore, SMEs must be based on their own circumstances, broaden the financing channels , make full use of internal financing , equity grant financing, bank secured loans , mortgage financing, financial leasing , attracting venture capital and private financing , using its own commercial credit financing and other ways to solve the financial bottlenecks . The commercial credit has a long history as a financing model is innovative SMEs in a number of channels to obtain working capital financing an important condition . This paper discusses the connotation and commercial credit financing essential characteristics , through the advantages of commercial credit financing , financing risks and financing methods and conditions of the analysis, to remind the majority of SMEs on how to use commercial credit financing to strengthen the commercial credit finance management , to the extent possible to achieve the lowest cost financing , financing facilities suitable financing and financing low-risk diversification objectives and realize shareholder value and maximize enterprise value . To help ease the financing difficulties of small and medium enterprises predicament . Keywords: financing difficulties financing SME financing  目录 商业信用融资在创业型企业中的运用 1 一、 商业信用融资的概述 3 (一) 商业信用融资的概念及类别 3 1、应付账款 3 2、预收账款