MBA教育中心知识库

金融支持是乡镇小微企业生存和发展的关键因素，由于小微企业经营不确定性较高、可抵质押资产较少、管理不规范等因素，许多金融机构不愿意为其提供融资，导致小微企业面临融资难、融资贵的问题。从乡镇小微企业融资管理角度分析和探讨科学的统筹融资规划、择优选择融资方式、控制融资成本、提高融资成效等问题也是解决小微企业融资难的重要方面。

本文基于前人研究的不足采用访谈方法分析了融资管理存在的问题，并结合企业的实际财务数据进行定量分析法和案例分析，从企业角度总结小微企业融资存在的问题产生的原因，包括融资规划与实际需求脱节、融资方式选择不科学、融资成本控制水平低，并探讨了这些问题产生的原因主要是融资管理意识比较薄弱、融资管理队伍不健全、融资风险控制不完善等。

为了提高M公司融资管理水平，本文提出了制定科学的、合理的战略目标，统筹公司发展资金需求，系统设计融资规划，提高融资规划能力；加强分析企业发展阶段及市场环境，选择最优的外部融资渠道；积极开展和实施内源性融资，适时选择股权融资和债券融资，多维度探索融资渠道；加强融资成本分析和管控，完善融资成本控制机制，建立融资内部监督和预警机制，提高融资成本控制能力等建议。最后为了实现这些建议，提出了组织保障、团队保障和制度保障等保障措施。

Financial support is a key factor for the survival and development of small and micro enterprises in rural areas. Due to high operational uncertainty, limited collateral assets, and non-standard management, many financial institutions are unwilling to provide financing for these enterprises, leading to difficulties and high financing costs. Analyzing and exploring scientific overall financing planning, selecting optimal financing methods, controlling financing costs, and improving financing effectiveness from the perspective of financing management for small and micro enterprises in townships is also an important aspect of solving the financing difficulties of small and micro enterprises.

This thesis uses interview methods to analyze the problems in financing management based on the shortcomings of previous research, and combines quantitative analysis and case analysis with actual financial data of enterprises to summarize the reasons for the problems in financing of small and micro enterprises from the perspective of enterprises, including the disconnection between financing planning and actual needs, unscientific selection of financing methods, and low level of financing cost control, And the main reasons for these problems were explored, including weak awareness of financing management, incomplete financing management team, and imperfect financing risk control.

In order to improve the financing management level of Company M, this thesis proposes to formulate scientific and reasonable strategic goals, coordinate the company's development funding needs, systematically design financing plans, and improve financing planning capabilities; Strengthen the analysis of the development stage and market environment of enterprises, and select the optimal external financing channels; Actively carry out and implement endogenous financing, timely choose equity financing and bond financing, and explore financing channels from multiple perspectives; Suggestions include strengthening financing cost analysis and control, improving financing cost control mechanisms, establishing internal supervision and early warning mechanisms for financing, and improving financing cost control capabilities. Finally, in order to implement these suggestions, measures such as organizational support, team support, and institutional support were proposed.