企业借款问的爆发和应对.doc

目录 目录 I 中文摘要 II Abstract III 一、引言 1 1.1 金融危机现状概述 1 1.2 金融危机的宏观形势及影响 1 1.2.1 负面影响：融资环境恶化，经济受挫，市场冷淡 2 1.2.2 正面影响：行业洗牌，商机再现 2 二、形成企业借款困难的外界因素分析 3 三、来源于企业自身的内部原因分析 3 3.1 营运资金不足引发的资金链断裂 3 3.2 信用风险引发的资金链断裂 4 3.3 流动性不足引发的资金链断裂 4 3.4 投资失误引发的资金链断裂 5 3.5 关联方损失产生连带风险引发的资金链断裂 5 四、企业针对借款危机的综合应对策略 5 4.1 退出激进预算 5 4.2 改善成本 6 4.3 检修供应链 6 4.4 广开资金源 7 4.5 合理瘦身与逆势扩张 7 五、结束语 7 致 谢 8 参考文献： 9 中文摘要 摘要：近几年的金融危机，由信贷促生的泡沫开始，到最后标志着信贷扩张时代的泡沫的终结，已对不同行业的企业造成了不可估量的损失。然而从这些表面现象背后，我们会发现，有的不只是外界融资环境变化对企业生存的挑战，更多的还有企业自身资金使用过程中暴露出来的资金链上的种种问题，这便是尤为突出的借款问题。分析这些案例，不难看出，企业自身不仅疏于对危机的防范，自身资金使用的失策也是导致危机一触即发的根本因素。营运资金不足、账期风险、流动负债难以归还导致的流动性枯竭。对外担保贷款给自己企业造成被动、以及投资失误，这些已然成为企业自身陷入恶性循环的症结。由此，对企业改进措施展开讨论，退出激进预算、改善成本等。最后提出了对经济现状仍然疲软的现状需要做出的努力，以及摆脱对外部资金过分依赖的现状的新方向。 关键词：金融危机 借款危机 资金链 应对策略 Abstract financial crisis, from the credit bubble generation, to the last credit expansion marks the end of the bubble era, has resulted enterprises of different industries in immeasurable loss. However, from behind these appearances, we can find some of the external financing environment changes not only survive the challenges of the enterprise, more companies are using their own funds during the financial chain exposed the problems, this is particularly outstanding loan problems. Analysis of these cases, it is easy to see that the enterprises themselves are not only to prevent neglect of the crisis, unprepared for their own use of funds is also the underlying factors leading to the explosive crisis. Operating capital, accounts of risk, and current liabilities being difficult to return lead to drying up of liquidity. The enterprises are passive due to their guarantee for others loans, and their investment mistakes, have become the crux of their own vicious cycle. As a result, the article discusses the measures of improvements, such as out of the radical budget, to improve the costs and so on. Finally, we discuss efforts which need to be made under the current weak economic situa