题目:普惠金融下青岛泰利运输有限公司融资问题探析英文题目：ResearchontheFinancingofQingdaoTailiTransportationCo.,LTD.underInclusiveFinance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Abstract:Intoday'sincreasinglycompetitivesocialsituation,thefinancingproblemofSMEsisparticularlyprominent,whichrestrictsthedevelopmentandgrowthofenterprises.ByanalyzingthefinancingsituationofQingdaoTailitransportationco.,ltd.beforeandafterinclusivefinance,itisfoundthatthereareproblemsofnarrowfinancingchannels,lowfinancingefficiencyandhighfinancingcostbeforeinclusivefinance.Internalreasonsarenotstandardizedcompanymanagement,thelackofmortgageassets.Afterinclusivefinance,byoptimizingthefinancingenvironmentandrealizingthefinancialservicecoverageforTaili,thefinancingchannelsarebroadened,thefinancingefficiencyisimprovedandthefinancingcostisreducedtoacertainextent.InordertohelpTailibetterfollowthenationalpolicies,thepaperputsforwardsomesuggestionsoninternalimprovement,suchasstandardizingenterprisemanagement,improvingbusinesslevelandperfectingfinancialsystem,soastofundamentallysolvethefinancingproblemandimproveitsmanagementabilityandlevelofdevelopment.Keywords:InclusivefinanceFinancingproblemQingdaoTailitransportationCo.,LTD.目录1前言..............................................................11.1研究背景....................................................11.2研究目的和意义..............................................11.3国内外研究现状..............................................21.4研究内容....................................................21.5研究方法....................................................32普惠金融及融资理论概述............................................32.1普惠金融概述................................................32.1.1普惠金融的概念和发展...................................32.1.2传统金融与普惠金融的对比分析...........................42.2融资理论概述................................................53普惠金融前青岛泰利运输有限公司融资状况分析........................53.1青岛泰利运输有限公司简介....................................53.2普惠金融前的融资状况........................................63.3普惠金融前的融资问题分析....................................73.3.1融资渠道狭窄...........................................73.3.2融资效率低.............................................73.3.3融资成本高.............................................73.4青岛泰利运输有限公司融资难成因..............................83.4.1外部因素分析...........................................83.4.2内部因素分析...........................................84普惠金融后青岛泰利运输有限公司融资现状分析........................94.1普惠金融应对融资难的优势分析................................94.1.1信息的开放共享................................
