xx汽车空调有限公司融资问题分析.doc

摘要

现代经济的发展离不开金融，资金是企业发展的首要和持续推动力，中小企业资金的供应与支持是让企业持续健康发展的动力。在我国，因为中小企业发展起步较晚，市场机制还不够成熟和完善，资本市场价值总量占国民生产总值的比重很小，中小企业融资由于受到的限制比较多，融资渠道十分狭窄，中小企业融资面临的困难很大。目前，中小企业融资困难已成为中国经济的一个问题，并引起了各级政府之间热烈的讨论。从我的角度来看，我们应该以一个全面和客观的态度面对这个问题，并寻求可行的措施和解决办法。
本论文以中小企业的融资问题为主要研究对象，以中小企业融资难为出发点，结合我国中小企业的环境和特点，系统地分析了我国中小企业融资中存在的问题，并分析了派恩汽车空调有限公司的融资情况。在此基础上，建议解决我国中小企业融资难的问题，应立足于我国实际，同时借鉴国际经验，切实解决中小企业融资难的问题。
关键词：中小企业；融资；

Abstract

Finance is the core of modern economic and the capital is the first and continuous impetus for the company development. The medium-and-small enterprises can not develop continually and healthily without the support of the capital. In our country, because the small and medium-and-small enterprises developed lately, the market mechanism is not perfect and maturely by now, its proportion in the total amount of the capital market in GDP is very small, the financing of the medium-and-small enterprises is limited by many factors, and the way to get capital is not clear. The medium-and-small enterprises face more difficulty of the financing. Currently, small and medium-sized enterprise financing difficulties have become a major problem has aroused heated discussion among the government at various levels. From my point of view, we should approach this question in a comprehensive and objective manner and seek viable measures. Small and medium-sized enterprises financing difficulties are not a problem unique to China, but a worldwide phenomenon.
    This paper targets financing of medium and small-sized enterprises as research objects,
medium and small-sized enterprises to finance being a tough job to starting point, according to the actual characteristics, this paper completely and systematically analyses the problems existing in the system of internal financing．And analysis of the PANINCO AUTO AIR CONDITIONER CO.,LTD. financing. This paper points we should learn about other countries’ experiences and improve our medium and small-sized enterprises international economic, to resolve the problem．
Key words: medium and small-sized enterprises; financing;

目录

第一章 引言...............................................................1
第二章 中小企业融资概述...................................................2
2.1 中小企业的基本概念..................................................2
2.2中小企业融资的定义...............................................3
2.3 中小企业融资的特点.................................................. 4

第三章 派恩汽车空调有限公司融资现状分析............................5
  3.1派恩汽车空调有限公司概况.....................................5
  3.2派恩汽车空调有限公司融资现状分析.............................5
    3.2.1派恩汽车空调有限公司融资环境分析.........................6
    3.2.2派恩汽车空调有限公司融资渠道分析.........................6
  3.3派恩汽车空调有限公司融资能力分析.............................7
    3.3.1 偿债能力分析...................................................7
    3.3.2 运营能力分析...................................................10
3.3.3 盈利能力分析...................................................13
  3.4派恩汽车空调有限公司融资存在的问题..........................14
    3.4.1企业自身存在的问题..............................................14
    3.4.2银行方面存在的问题..............................................15
3.4.3政府方面存在的问题..............................................15

第四章 对派恩汽车空调有限公司融资的建议...........................16
  4.1加强企业自身的建设..................................................16
  4.2塑造良好的外部环境..................................................18
    4.2.1银行方面........................................................18
    4.2.2政府方面........................................................18
第五章 结束语............................................................20
致谢.....................................................................21
参考文献.................................................................22
附录..................................................................... 23
附录1...................................................................23
附录2...................................................................27
附录3...................................................................30