民间借贷视角下中小企业融资策略研究

本科毕业设计(论文)

题目：民间借贷视角下中小企业融资策略研

究

——以陕西多旗食品有限公司为例

院（系）：经济管理学院 专业：会计学

班级： 120508 学生：王锦丽 学号： 120508129 指导教师：程新峰

2016年 6月

题目：民间借贷视角下中小企业融资策略研究

——以陕西多旗食品有限公司为例

摘要

在我国，已注册登记的中小企业数量达到99%，但是却没有得到与其地位相匹配的待遇和相应的关注。由于我国中小企业处于弱势地位，融资的困境在我国中小企业快速发展的前进道路上，已然成为了最难逾越的鸿沟。随着经济的快速发展，目前的金融机制和体系也发展的愈发成熟。但是，单凭正规金融机构的力量是肯定不够的，再加上中小企业在正规银行本身的弱势条件。民间借贷在我国有长远的历史，它对于正规银行的补充作用无疑是中小企业的福利。现在人们的生活水平不断提高，民间会存在大量闲散资金却找不到适合的投资渠道，因此这就为中小企业资金缺口和民间资本打开了新的局面。 本文在相关的理论基础上从民间借贷的角度出发，通过了解我国中小企业和民间借贷的现状和特点，以陕西多旗食品有限公司为例，结合该公司当前的融资现状和融资模式以及该行业的发展情况，分析融资困难的具体原因，给出合理的融资建议，对中小企业融资选择民间借贷融资的可行性有一定现实意义。

关键字：民间借贷；中小企业；融资策略

Subject：Study on Financing Strategies of small and medium

sized enterprises in the perspective of private lending

(a case study of Shaanxi multi flag Food Co., Ltd.)

Abstract

In our country, has registered a number of small and medium enterprises reached 99%, accounted for half of the economy of our country, but did not get their position to match the treatment and the corresponding attention. Because the small and medium-sized enterprises in our country are in a weak position, the plight of financing in the rapid development of China's small and medium enterprises on the road, has become the most difficult to overcome the gap. With the rapid economic development, the current financial mechanism and the system is also developing more mature. However, with the formal financial institutions is certainly not enough power, and small and medium-sized enterprises are weak conditions in the formal banking itself. Private lending in China is a long history, it added to the formal banking is undoubtedly the welfare of small and medium sized enterprises. Now the people's living standards continue to improve, folk will be a large number of idle funds, but can not find suitable investment channels. Therefore, it is small and medium-sized enterprise financing gap and folk capital opened the new situation.

This paper on the related theories from the perspective of private lending of through the understanding of the current situation and characteristics of China's small and medium-sized enterprises and private lending, in Shaanxi's Food Co., Ltd., for example, combined with the current financing situation and financing mode and development situation of the industry. Analysis the specific reasons for the difficulties in financing and give reasonable suggestions for financing, the financing of small and medium enterprises choose the feasibility of financing of private lending has certain practical significance.

Key words：Folk loan； Small and medium-sized enterprises； Financing

3

目录

摘要 ........................................................................................................................................... 2 Abstract ..................................................................................................................................... 3 1. 绪论 ................................................................................................................................... 6

1.1研究背景及意义 ........................................................................................................ 6 1.1.1研究背景 ................................................................................................................ 6 1.1.2研究意义 ................................................................................................................ 6 1.2文献综述 ........................................................................................................................ 6 1.2.1国外文献综述 ........................................................................................................ 6 1.2.2国内文献综述 ........................................................................................................ 8 1.2.3研究评述 ................................................................................................................ 9 1.3研究方法及内容 ............................................................................................................ 9 1.3.1研究内容 ................................................................................................................ 9 1.3.2研究方法 .............................................................................................................. 10 2. 相关理论基础 ................................................................................................................. 11 2.1研究理论支撑 .............................................................................................................. 11 2.1.1 信贷配给理论 ..................................................................................................... 11 2.1.2 MM理论 ................................................................................................................ 11 2.1.3融资次序理论 ........................................................................................................ 12 2.2民间借贷 ...................................................................................................................... 12 2.2.1民间借贷的内涵 .................................................................................................. 12 2.2.2民间借贷的类型与特点 ...................................................................................... 12 2.2.3民间借贷的发展 .................................................................................................. 14 3. 陕西多旗食品有限公司的融资现状与问题 .................................................................. 15 3.1陕西多旗食品有限公司的概况 .................................................................................. 15 3.2多旗食品有限公司的融资现状 .................................................................................. 15 3.3陕西多旗食品有限公司融资问题 .............................................................................. 18 3.3.1融资模式单一 ...................................................................................................... 18 3.3.2融资成本高 ............................................................................................................ 18

4

3.3.3融资量小 ................................................................................................................ 18 4. 陕西多旗食品有限公司的融资问题分析 ................................................................. 19 4.1 内部原因分析 ............................................................................................................. 19 4.1.1管理者融资意识淡薄 .......................................................................................... 19 4.1.2公司管理制度不完善 .......................................................................................... 19 4.1.3财务信用状况较差 .............................................................................................. 19 4.2外部原因分析?? ...................................................................................................... 20 4.2.1资本市场发展不完善 .......................................................................................... 20 4.2.2社会扶持体系不完善? ...................................................................................... 20 5. 陕西多旗食品有限公司的融资策略 ............................................................................. 21 5.1发展规范的民间借贷融资模式 .................................................................................. 21 5.2.3制定合理的民间借贷融资计划 .......................................................................... 21 5.1.3规范管理制度 ...................................................................................................... 22 5.2规避民间借贷融资风险 .............................................................................................. 21 5.2.2采用合理的融资顺序 .......................................................... 错误！未定义书签。 5.2.3保持适当的融资规模 .......................................................................................... 21 6.结论 ..................................................................................................................................... 23 致谢 ......................................................................................................................................... 26 参考文献 ................................................................................................................................. 24 毕业设计知识产权声明 ......................................................................................................... 27

5

搜索“diyifanwen.net”或“第一范文网”即可找到本站免费阅读全部范文。收藏本站方便下次阅读，第一范文网，提供最新幼儿教育民间借贷视角下中小企业融资策略研究 全文阅读和word下载服务。