宏宇电热电器有限公司融资问题及对策分析

宏宇电热电器有限公司融资问题及对策分析摘要我国的中小企业一般都存在规模较小、并且体系相对不健全、资金运行情况不好以及融资难和融资贵等问题。丹东市中小企业取得了突飞猛进的发展，已经完成了由国民经济的“补充”地位向“主角”地位的转变。但我国的金融体系还不完善，金融市场改革还未完成，民间金融存在许多限制，导致中小企业无法融资，中小企业资金短缺的困境日益凸显。中小企业在丹东市社会经济发展、增加地方财政收入、安置社会劳动力方面，以及加快城乡一体化步伐建设方面发挥日益重要的作用，宏宇电热电器有限公司也不例外。在此对当地的一个中小企业一一宏宇电热电器有限公司的融资的现状进行了深入的研究和分析，从而找出存在的问题。宏宇电热电器有限公司融资问题一直影响其公司总体发展，主要找出存在内部融资不足、融资结构不稳定、直接融资来源不足以及融资成本偏高这四个问题，并针对存在的问题分析出资源积累少，融资工作管理缺乏科学性、信用水平低、融资渠道单一、中小企业的融资优惠政策有待加强的原因，最后针对其原因提出融资业务管理的强化、企业自身信用水平的提高、融资渠道的拓宽、加大政府扶持力度，完善评价体系等解决问题的对策。关键词：宏宇电热电器有限公司；中小企业；融资-I-Analysis on financing problems and Countermeasures of Hongyuelectric heating appliance Co.,LtdAbstractChina's small and medium-sized enterprises generally have problems such as smallscale,relatively imperfect system,poor capital operation,difficult and expensive financing.Dandong small and medium-sized enterprises have made rapid development and havecompleted the transformation from the "supplementary"position of the national economyto the "leading role"position.However,China's financial system is not perfect,thefinancial market reform has not been completed,and there are many restrictions on privatefinance,resulting in the inability of small and medium-sized enterprises to finance,and theplight of the shortage of funds for small and medium-sized enterprises has becomeincreasingly prominent.Small and medium-sized enterprises play an increasinglyimportant role in Dandong's social and economic development,increasing local fiscalrevenue,resettling social labor force,and accelerating the pace of urban-rural integration.Hongyu electric heating appliance Co.,Ltd.is no exception.This paper makes an in-depth research and Analysis on the financing status ofHongyu electric heating appliance Co.,Ltd.,a local small and medium-sized enterprise,soas to find out the existing problems.The financing problem of Hongyu electric heatingappliance Co.,Ltd.has always affected the overall development of the company.It mainlyfinds out the four problems:insufficient internal financing,unstable financing structure,insufficient direct financing sources and high financing cost.In view of the existingproblems,it analyzes the reasons for less resource accumulation,lack of scientificfinancing management,low credit level,single financing channel and the need tostrengthen the financing preferential policies of small and medium-sized enterprises,Finally,according to the reasons,this paper puts forward the countermeasures to solve theproblems,such as strengthening the financing business management,improving theenterprise's own credit level,broadening the financing channels,increasing the governmentsupport and perfecting the evaluation system.Key words:Hongyu electric heating appliance Co.,Ltd;Small and medium-sizedenterprises;FinancingII-目录摘要......Abstract.…..Π一、引言…(一)研究背景.。1(二)研究目的与意义…(三)研究思路与研究内容.2(四)研究方法与创新之处21.研究方法22.创新之处2二、理论基础与文献综述。(一)中小企业融资的相关理论1MM理论…32.信息不对称理论…(二)中小企业融资的研究综述.31.国外研究及发展现状：.32.国内研究及发展现状：.3三、宏宇电热电器有限公司的简介和融资现状.5(一)宏宇电热电器有限公司简介…51.宏宇电热电器有限公司简介…52.宏宇电