KM公司的融资问题研究

KM公司的融资问题研究摘要随着改革开放的不断深入，经济发展的不断加快，对于小微企业来说机遇与挑战并存。当前我国的经济环境下，小微企业逐渐的成为了经济发展的主体，在经济发展中起到了重要的作用，但随之而来的小微企业的竞争与生存压力也越来越大。而小微企业当前所面临的最大的压力就是资金的压力。因此，小微企业的融资问题成为了小微企业发展的重要问题。本文通过相关文献的查阅，对于当是小微企业的融资问题进行了深入的研究，以KM公司为例，对小微企业融资因境这一问题进行深入研究与分析，对于小微企业现阶段在融资过程中出现的问题，比如：直接融资成功率低，融资状况不能达到理想标准：借贷机构以及金融机构表现出对小微企业的歧视现象：小微企业在进行贷款时缺乏有效的担保机制体系等等。最后，本文提出针对性的改进型建议，以期为优化小微企业融资的问题做出一些贡献。关键词：小微企业；融资问题；对策Research on the Financing Issues of KM CorporationAbstractwith the development of market economy,small and medium-sized enterprisesplay an increasingly important role in China's economy.Great changes have takenplace in China's domestic market economy,followed by huge market pressure.Underthe huge market pressure,the most weak competitive power is the small andmedium-sized enterprises in the market.As the main body of the economic market,the biggest difficulty faced by the development of small and medium-sized enterprisesis that they can not get sufficient financial security and sources of funds.Therefore,the research on the financing of small and medium-sized enterprises is a major issuerelated to the development of small and medium-sized enterprises,and also has greatsignificance for the healthy development of China's economic market.Based on therelevant theories of enterprise financing,this paper makes an in-depth study andAnalysis on the financing of small and medium-sized enterprises in China,For theproblems in the financing process of small and medium-sized enterprises at this stage,such as:the success rate of direct financing is low,and the financing situation can notreach the ideal standard;lending institutions and financial institutions showdiscrimination against small and medium-sized enterprises;small and medium-sizedenterprises lack effective guarantee mechanism system when they make loans,and soon.In view of these problems,this paper considers the causes of these problemsBecause.Finally,this paper puts forward reasonable improvement suggestions forthese reasons,in order to make some contributions to fundamentally optimize thefinancing of small and medium-sized enterprises in ChinaKey words:small and medium-sized enterprisesfinancing problemscountermeasures目录1绪论.......12小微企业融资的相关概述2.1小微企业的界定..12.2小微企业的特点...2.3小微企业的融资方式…32.4小微企业融资的特点..·0…33KM公司融资现状分析.....3.1KM公司基本情况介绍.....43.2KM公司融资困境的表现.......43.2.1资金需求量大，但融资能力不足......43.2.2过度依赖民间借贷，融资成本高..….53.2.3融资期限配置不合理，缺乏长期稳定的资金来源..53.2.4缺乏股权融资，资本结构不合理.…54KM公司融资困境的成因分析.....·4.1KM公司融资困境的内在成因分析...·64.2K公司融资困境的外在成因分析.............75K公司走出融资困境的具体策略...85.1KM公司走出融资困境的内因对策...·95.1.1企业创新融资方式，拓宽融资渠道...5.1.2不断扩大内部资金积累，降低融资成本..........105.1.3利用政策性融资，积极争取政府方面的支持......105.1.4加强企业自身建设，提升企业融资能力..........105.2KM公司走出融资因境的外因对策.................115.2.1银行创新金融服务和加强和增强和小微企业的合作....·.·115.2.2政府加强法律法规建设和政策指导.......116启示与结论12参考文献..13致谢.13