民營企業(yè)財務管理中存在的問題及對策分析 —— 融資“尷尬”

本科論文 優(yōu)秀畢業(yè)論文

目     錄

摘要： 1
英文摘要： 1
前言 2
一 民營企業(yè)融資的現狀 2
（一）民營企業(yè)融資政策 2
（二）民營企業(yè)金融機構信貸狀況 2
（三）民營企業(yè)資本市場融資狀況。 3
（四）民營企業(yè)非正式金融渠道融資狀況 3
二 民營企業(yè)中融資中存在的問題 3
（一）從民營企業(yè)融資的自身素質分析 3
1．民營企業(yè)的資信度不高，信用環(huán)境不佳。 3
2．信息不對稱，銀行難放心。 4
3．民營企業(yè)管理模式的滯后。 4
（二）從民營企業(yè)融資的外部經營環(huán)境分析 5
1．銀行及證券存有“偏心”。 5
2．銀行“惜貸”，民企遭遇“不平等”待遇。 5
3．我國證券市場門檻過高。 6
4．缺乏為民營企業(yè)專門服務的金融機構 6
三 解決民營企業(yè)融資問題的對策 7
（一）加強民營企業(yè)的公司治理建設 7
（二）鼓勵民營企業(yè)上市，拓寬直接融資渠道。 7
（三）拓寬間接融資渠道 7
1．讓企業(yè)對銀行“透明化” 7
2．大力引進民營中小商業(yè)銀行。 8
3．建立中小民營企業(yè)的風險擔保制度。 8
（四）國外經驗對于我國民營企業(yè)融資的啟示 8
結束語： 9
參考文獻： 10

民營企業(yè)財務管理中存在的問題及對策分析
                             -------融資“尷尬”
摘要：
民營企業(yè)在快速發(fā)展的同時，由于自身缺陷和外部環(huán)境多種因素也遇到諸多問題，其中特別突出的問題是融資困難。為了解決民營企業(yè)融資難的問題，我們可以借鑒國外中小企業(yè)融資的成功經驗。通過分析國外中小企業(yè)的融資特點、融資渠道以及國外政府對中小企業(yè)的政策扶持，并結合我國民營企業(yè)和我國融資環(huán)境的特點，本文就解決民營企業(yè)融資難的問題提出幾點建議：首先應加快民營企業(yè)的公司治理建設即完善民營企業(yè)自身的管理和結構；其次，民營企業(yè)可拓寬直接融資渠道，這需要國家的政策支持，建立多層次的資本市場；另外，民營企業(yè)也可拓寬間接融資渠道，這需要國有商業(yè)銀行對民營企業(yè)增加服務項目和降低門檻，也需要增建多種形式的中小企業(yè)金融機構，專門為民營企業(yè)服務。

關鍵詞：民營企業(yè)；融資；對策

Financing Problems and Solutions of Domestic Private Enterprises

英文摘要：
However,in the meantime of therapid development of private enterprises,due to the shortcomings of itself and external environment and variety of factors,it has encountered many problems;the prominent problem is financing difficulties.
In order to solve the problem that the financing of private enterprises is difficult,we can use the successful experience of financing of foreign SMEs(small and medium-sized enterprises)for reference.By analyzing financing features, financing channels of foreign SMEs,the policy support of foreign government's for SMEs,the combination of China's private enterprises and the characteristics of China's financing environment,a few suggestions on solving the financing problem of China's private enterprises were made in this paper:First,we should speed up the corporate governance and construction of private enterprises,strengthen the scientific management,establish and perfect the corporate governance structure,strengthen the financial management, guarantee the authenticity and legality of accounting information;Secondly,the private enterprises can expand the direct financing channels,which would require the state's policy support,establish and improve a multi-level capital market;In addition,private companies would be able to broaden indirect financing channels,which requires state-owned commercial banks to increase service and lower threshold to private enterprises,and also needs the addition of multiform financial institutions of SMEs, which specialized services for private enterprises.
Key words：Private enterprises；financing；countermeasure.