关于中山宏兴盈纺织有限公司融资情况的调研报告

关于中山宏兴盈纺织有限公司融资情况的调研报告

摘要

在现代市场经济环境中，对于中小企业来说，融资活动是企业经营、发展的核心。融资是中小企业资产形成的重要手段。然而，市场经济处处蕴含风险，只要中小企业从事融资活动，就一定会面临各种风险，如利率风险、经营风险等。随着我国经济的不断发展，中小企业得以蓬勃发展，在经济发展和社会稳定中扮演着重要角色。中小企业作为国民经济的重要组成部分，是推动国民经济发展的一支重要力量，已成为拉动国民经济新的增长点。但是同大型企业相比，不论是从技术、人才，还是从管理方面都存在较大差距，这也就导致许多金融机构在向这些中小企业贷款、融资过程中有过多的考虑，中小企业在融资过程中出现许多阻碍，这也是制约企业可持续长远发展的重要原因。

基于此，本文首先介绍了选题背景、目的与意义，第二部分就文章中应用的相关理论知识做了简单的介绍，第三部分以中山宏兴盈纺织有限公司为例，分析了该公司融资的现状及存在的问题，第四部分针对出现的问题提出了相应的解决措施和建议。通过本文论述，以期对我国其它中小企业在融资管理方面有一定的理论和实践指导意义。

关键词：中小企业；融资；问题；对策

Abstract

In the modern market economy environment, for small and medium-sized enterprises, financing activities is the core of enterprise management and development. Financing is an important means of small and medium-sized enterprise assets form. Market economy, however, contain risk everywhere, as long as small and medium-sized enterprises in financing activities, will certainly face various risks, such as interest rate risk, management risk, etc. With the continuous development of our economy, small and medium-sized enterprises to flourish, in the economic development and social stability plays an important role. Small and medium-sized enterprises as an important part of the national economy, is an important force to promote the development of national economy, has become a new growth point of national economy. But compared with large enterprises, whether from the technology, talent, or is a great disparity from the aspects of management, it also leads to many financial institutions in the process of loans to these small and medium enterprises, financing has too much to consider, appear many obstacles in the process of financing of small and medium-sized enterprises, which is restricting enterprise sustainable long-term development of the important reasons.

Based on this, this article first introduces the background, purpose and significance of topics, the second part is the article used the related theory of knowledge made simple introduction, the third part in zhongshan HongXing surplus textile co., LTD., for example, the paper analyzes the current situation of the company financing and the existing problems, the fourth part in view of the problems put forward the corresponding solutions and Suggestions. Through this paper, in order to our other small and medium-sized enterprises in financing management is of certain guiding significance to the theory and practice.

Keywords: Small and medium-sized enterprises; Financing; Perfect; measures

目录

一、绪论 (1)

（一）选题背景 (1)

（二）研究目的 (1)

（三）研究意义 (1)

二、中小企业融资相关理论 (2)

（一）中小企业的界定 (2)

（二）企业融资的概念 (2)

（三）中小企业的融资方式的特点 (2)

三、中山宏兴盈纺织有限公司融资现状 (5)

（一）中山宏兴盈纺织有限公司简介 (5)

（二）中山宏兴盈纺织有限公司的融资方式及特点 (5)

（三）中山宏兴盈纺织有限公司融资过程中出现的问题 (5)

四、完善中山宏兴盈纺织有限公司融资，降低融资风险的建议 (9)

（一）提高企业经营能力 (9)

（二）完善金融体系和经营机制 (10)

（三）完善担保体系 (11)

（四）健全银行贷款融资管理体系 (12)

结论 (13)

参考文献 (14)