广州平安普惠投资咨询有限公司营运能力调研报告-会计-毕业论文.doc

摘 要 本文以平安普惠为例，首先对公司经营基本状况以及近年财务信息进行剖析，发现公司流动资产周转率和总资产周转率都比较低，应收账款周转率呈下降趋势；导致平安普惠营运能力较弱的原因有4点；在分析调研产生这些问题的原因后，提出了自己的8点建议。 关键词：信贷公司；平安普惠；问题与对策 Abstract Taking ping an puhui as an example, this paper firstly analyzes the basic operating conditions of the company and the financial information in recent years, and finds that the turnover rate of current assets and total assets of the company is relatively low, and the receivables turnover rate shows a downward trend. There are four reasons for the weak operating capacity of ping an puhui; After analyzing and investigating the causes of these problems, the author puts forward eight Suggestions of his own. Key words： Credit companies; Peace and universal benefit; Problems and countermeasures目 录 摘要……………………………………………………………………………………………………… I Abstract………………………………………………………………………………… II 引言………………………………………………………………………………………………………………………………1 一、调研单位简介…………………………………………………………………………………………………………………….….1 （一）调研单位基本情况……………………………………………………………………………………………………..……1 （二）公司营销策略……………………………………………………………………………………………………………….…..2 1.建立自己的大规模经营………………………………………………………………………………………..…………….…..2 2.建立自己的产品优势……………………………………………………………………………………………………………….2 3.建立自己的独特的客户群体和获客渠道…………………………………………………………………………….2 （三）内部管理方式…………………………………………………………………………………….………………………….3 （四）职能部门介绍…………………………………………………………………………………….………………………….4 1.销售部…………………………………………………………………………………….……………………………………………….4 2.客服部…………………………………………………………………………………….……………………………………………….4 3.风控部…………………………………………………………………………………….……………………………………………….4 二、公司营运能力之财务分析………………………………………………………………………………………………5 （一）放款资金来源分析……………………….……………………………………………………………………………...5 （二）应收账款周转率分析…………………………… ………………………………………….………………………...5 （三）流动资产周转率分析…………………………………… …………………………………….……………………...5 （四）固定资产周转率分析…………………………………………………………………………..……………………...5 （五）总资产周转率分析…………………………………………………………………………………….………………...5 三、其他与营运相关的状况……………………………………………..………………………………….………………..6 （一）费用收取不符合大多数客户群体接受范围……………………………………………………………..6 （二）员工流动率过高……………………………………………………………………………………………………