试析企业融资问题研究——以哈尔滨紫霞生物科技有限公司为例摘要：随着中国经济的快速发展，中小企业发挥了至关重要的作用。作为中国最具活力的企业团队，中小企业拥有超过一半的国家税收，是我国经济创新的重要支柱。但是，中小企业的资产和规模普遍较小，经营条件和大企业竞争力弱，难以抵御市场风险，严重阻碍了中小企业的健康发展。因此，研究中小企业融资具有重要的理论和实践意义。为了深入研究中小企业融资问题，提出有针对性的建议，本文以哈尔滨紫霞生物科技有限公司为对象展开分析研究。首先用文献研究法对当前国内外学者就中小企业融资问题的相关研究成果进行整理，整理分析出中小型企业的分类标准、企业融资的理论基础以及中小型企业融资的意义，为文章后续的撰写工作奠定了理论基础。其次介绍企业的基本情况、发展情况及融资风险分析，最主要是对哈尔滨紫霞生物科技有限公司融资问题进行分析，发现公司融资存在内源融资不足、融资渠道狭窄及融资成本较高等问题。最后，通过整理问题进行其原因分析，从而找到中小型企业优化融资问题的解决对策。关键词：企业；融资难；融资问题ResearchonfinancingproblemsofSMEs——TakingHarbinZixiaBiotechnologyCo.,Ltd.asanexampleAbstract:WiththerapiddevelopmentofChina'seconomy,SMEshaveplayedavitalrole.AsthemostdynamicenterpriseteaminChina,SMEshavemorethanhalfofthenationaltaxrevenueandareanimportantpillarofChina'seconomicinnovation.However,theassetsandscaleofSMEsaregenerallysmall,theoperatingconditionsandthecompetitivenessoflargeenterprisesareweak,anditisdifficulttoresistmarketrisks,whichseriouslyhindersthehealthydevelopmentofSMEs.Therefore,researchonSMEfinancinghasimportanttheoreticalandpracticalsignificance.InordertodeeplystudythefinancingproblemsofSMEs,andputforwardtargetedsuggestions,thispapertakesHarbinZixiaBiotechnologyCo.,Ltd.asanobjectforanalysisandresearch.Firstly,theliteratureresearchmethodisusedtosortouttherelevantresearchresultsofdomesticandforeignscholarsonthefinancingproblemsofSMEs,andanalyzetheclassificationcriteriaofsmallandmedium-sizedenterprises,thetheoreticalbasisofcorporatefinancingandthesignificanceoffinancingforsmallandmedium-sizedenterprises.Theworklaidthetheoreticalfoundation.Secondly,itintroducesthebasicsituation,developmentsituationandfinancingriskanalysisoftheenterprise.ThemostimportantistoanalyzethefinancingproblemsofHarbinZixiaBiotechnologyCo.,Ltd.,andfindthatthecompany'sfinancinghasinsufficientinternalfinancing,narrowfinancingchannelsandhighfinancingcosts.Finally,throughthesortingoftheproblemtoanalyzeitscauses,tofindasolutiontotheproblemofoptimizingfinancingforsmallandmedium-sizedenterprises.Keywords:SME，FinancingDifficulties，Financingproblem目录1绪论.......................................................................................................................................12相关理论依据.........................................................................................................................12.1中小型企业分类标准..................................................................................................12.2企业融资的理论基础..................................................................................................12.3中小型企业融资的意义..............................................................................................13哈尔滨紫霞生物科技有限公司融资问题.............................................................................13.1哈尔滨紫霞生物科技有限公司简介.......................................................................
