I摘 要：在当今竞争日益激烈的社会形势下，中小企业的融资问题尤为突出 ，从而制约着企业的发展与成长。通过分析普惠金融前后青岛泰利运输有限公司的融资状况，发现在普惠金融前存在融资渠道狭窄、融资效率低、融资成本高等问题，究其原因分为内外两个部分，外部原因有信息不对称、信贷配给约束、担保增信有限；内部原因有公司管理不规范、缺乏可抵押资产。而普惠金融后，通过优化融资环境，实现对泰利的金融服务覆盖，在一定程度上拓宽了融资渠道、提高了融资效率、降低了融资成本。为了帮助泰利更好的跟紧国家政策，在内部完善方面，提出了规范企业管理、提升业务水平、健全财务制度等建议，从根本上解决融资难问题，提升其经营能力和发展水平。关键词：普惠金融 融资问题 青岛泰利运输有限公司 IIIAbstract:In today's increasingly competitive social situation, the financing problem of SMEs is particularly prominent, which restricts the development and growth of enterprises. By analyzing the financing situation of Qingdao Taili transportation co., ltd. before and after inclusive finance, it is found that there are problems of narrow financing channels, low financing efficiency and high financing cost before inclusive finance. Internal reasons are not standardized company management, the lack of mortgage assets. After inclusive finance, by optimizing the financing environment and realizing the financial service coverage for Taili, the financing channels are broadened, the financing efficiency is improved and the financing cost is reduced to a certain extent. In order to help Taili better follow the national policies, the paper puts forward some suggestions on internal improvement, such as standardizing enterprise management, improving business level and perfecting financial system, so as to fundamentally solve the financing problem and improve its management ability and level of development.Keywords: Inclusive finance Financing problemQingdao Taili transporta...
