中小企业资问题研究—以河南省邦力电器有限公司为例修改4.docx

东北财经大学本科毕业论文邦力公司的融资问题分析作 者学 院萨里国际学院专 业工商管理（跨国公司管理方向）年 级学 号指导教师答辩日期成 绩摘 要改革开放以来，伴随着市场体制改革，我国中小企业以其自身灵活发展的优势得到了长足的发展，逐渐在我国经济发展中扮演越来越重要的角色，中小企业在我国目前的经济发展、解决社会就业问题以及拉动区域发展方面发挥了重要的作用。但是一直以来，中小企业普遍存在着规模小、财会制度不健全、信息不对称的问题，信用评价以及担保体系都不完善，政府对中小企业政策的扶持也不健全，多元化的融资渠道缺乏等问题，这使得中小企业融资问题面临着很大的难题。邦力公司是河南中小企业的典型代表。本文通过理论分析法、实例分析法，首先描述了邦力公司的发展现状和融资现状，通过实例研究，得出邦力公司融资问题结论：邦力公司财务制度不健全，企业自身管理不规范，缺乏科学管理，企业信用状况不好。邦力公司融资渠道狭窄单一，造成融资数量不足。邦力公司融资成本偏高。 融资结构不尽合理。邦力公司的融资政策环境不佳，受多方影响。中小企业风险投资、民间借贷有待完善。并在此基础上从企业自身因素、金融体系因素、宏观经济环境因素、政府政策因素、融资渠道体系因素等剖析企业陷入融资困境的原因。最后在前文基础上，提出有效解决中小企业融资难的对策，主要有加大中小企业自身建设、加大政府扶持力度、大力发展中小金融机构、建立健全融资中介机构、积极发展资产典当融资等新模式。本文紧紧围绕金融市场的特点，将中国中小企业融资中普遍存在的问题与邦力公司特色相结合，提出的问题具备一定的普遍性与特殊性，提出的优化对策建议具有一定的实用性，对缓解邦力公司融资难有一定的借鉴意义。关键词：中小企业 融资 资金 管理ABSTRACT Since the reform and opening, with the reform of market system, the development of small and medium-sized enterprises in our country with its own flexible advantage got rapid development, gradually play an increasingly important role in the economic development of our country, small and medium-sized enterprises in our countrys current economic development, solve the problem of employment, and boost regional development has played an important role. But for a long time, there is a widespread scale is small, small and medium-sized enterprises accounting system is not sound, the information asymmetry problem, credit evaluation and guarantee system is not perfect, government policy support to small and medium enterprises are not perfect, lack of diversification of financing channels, which makes the small and medium-sized enterprise financing problems facing a big problem. State power company is a typical representative of henan small and medium-sized enterprises. In this paper, through literature research, the method of combining the theory with practice, first described the development status and financing status quo of state power company, through case study, the state power company financing problem conclusion: state