【作者】 李竞；

【导师】 谭春枝；

【作者基本信息】 广西大学 ， 工商管理硕士（专业学位）， 2020， 硕士

【摘要】 近年来,随着经济环境的稳定和国家政策的大力扶持,我国中小企业蓬勃发展,已成为经济体系中的重要支柱。我国中小企业在迅速发展中,不仅创造巨大经济财富,也为人们提供大量就业机会,更是在不断延伸的投资领域,促进我国科教水平的提升。然而,中小企业由于自身先天不足和外部环境限制等原因面临诸多融资障碍,极大限制其进一步发展。就传统融资渠道而言,我国中小企业主要依靠创始人投入资金、银行贷款及民间借贷等融资方式,持续的资金需求与融资难、融资贵的现象相背而行,融资障碍极大挫伤了中小企业持续发展的信心。因此,在当前经济发展和政策导向背景下,分析我国中小企业融资问题及成因,并提出解决问题的对策,具有重要的现实意义。本文结合国内外中小企业融资问题的研究理论基础,以AB存储公司为研究对象,主要从以下四个方面展开研究:首先,以我国中小企业融资问题为切入点,从研究背景与意义、国内外研究文献与企业融资相关理论进行基本概述。接着,说明AB存储公司公司基本情况、财务情况、资金供需情况及融资方式等。然后,结合AB存储公司融资现状,提出AB存储公司融资问题,并从公司内外两个层面分析导致其融资问题的成因。最后,针对AB存储公司的融资问题,从内部环境出发,提出相关解决对策。本文认为AB存储公司融资问题主要包括内源融资不足、银行贷款担保物限制大及手续繁琐、非银金融机构融资成本较高、主板上市融资难度大、融资管理水平较低等,并结合AB存储公司中小企业性质,从我国新设科创板市场以及广东省建立中小企业线上融资平台等外部环境变化,为AB存储公司解决融资问题提供新视角,力求促进其更好发展。此外,与AB存储公司同行中小企业的融资问题存在部分共性,笔者通过对AB存储公司融资问题的研究分析,以期为同行中小企业提供一定借鉴。更多还原

【Abstract】 In recent years,with the stability of the economic environment and the support of the national policy,SMEs in China have developed vigorously and become an important pillar in the economic system.In the rapid development,SMEs not only create huge economic wealth,but also provide a lot of employment opportunities for people,and also promote the level of science and education in the expanding investment field.However,small and medium-sized enterprises face many financing obstacles due to their inherent deficiencies and external environmental constraints,which greatly limits their further development.As far as the traditional financing channels are concerned,SMEs in China mainly rely on the financing methods such as founder’s investment,bank loan and private loan.The continuous demand for funds is contrary to the phenomenon that financing is difficult and expensive.The financing obstacles have greatly frustrated the confidence of the sustainable development of SMEs.Therefore,under the background of current economic development and policy guidance,it is of great practical significance to analyze the financing problems and causes of SMEs in China,and put forward countermeasures to solve the problems.In this paper,based on the theoretical basis of domestic and foreign research on the financing of SMEs,and AB storage company is taken as the research object,which is mainly from the following four aspects.First of all,taking the financing of SMEs in China as the starting point,this paper makes a basic overview from the research background and significance,domestic and foreign research literature and relevant theories of enterprise financing.Then,it describes the basic situation,financial situation,capital supply and demand and financing mode of AB storage company.Then,combining with the financing status of AB storage company,the paper puts forward the financing problems of AB storage company,and analyzes the causes of the financing problems from the internal and external aspects of the company.Finally,aiming at the financing problems of AB storage company,the paper putsforward relevant solutions from the internal environment.This paper holds that the financing problems of AB storage company mainly include the lack of internal financing,the limitation of bank loan collateral and complicated procedures,the cumbersome procedures,the high financing cost of non-bank financial institutions,the difficulty of main board listing financing,and the low level of financing management.Combined with the nature of AB storage company’s SMEs,this paper analyzes the changes in external environment of the new technology innovation board market in China and the establishment of online financing platform for SMEs in Guangdong Province,providing a new perspective to solve the financing problem of AB storage company and striving to promote its better development.In addition,there are some common financing problems of SMEs in the same industry with AB storage company.Through the research and analysis of the financing problems of AB storage company,the author hopes to provide some reference for SMEs in the same industry.更多还原