工商银行过度负债的成因与对策

本科论文expand their market shares and achieve economies of scale.In this paper,industrial and Commercial Bank of China,the state-owned company in thecity above,as the research object,analyzes the company's balance sheet,cash flow statementand financial analysis according to the research ideas of raising problems,analyzing reasonsand solving problems.It is mainly about limited financing,nonstandard valuation,incompletefinancial operation,poor risk prevention awareness.The paper is divided into five parts.Firstof all,it introduces the background and significance of enterprise research,then describes theconcept and characteristics of excessive debt,and points out the risks it brings.Then,startingfrom the current situation of ICBC,it reveals the problems in the company's operation andmanagement in three aspects:current assets,current liabilities and main business income.Itpoints out that there are many problems in the company,such as the large proportion ofcurrent assets,the large proportion of current liabilities,the slow growth of main businessincome and the declining trend,and the lack of effective management of managers.Then,itmakes a detailed study,analyzes the causes of the problems and finds out the correspondingsolutions.Finally,combined with the actual situation of enterprises,it hopes to provide somevaluable suggestions and improvement measures for the phenomenon of excessive debt ofstate-owned enterprises in China.Key words:Assets reorganization;Financial problem;Intermediate agency