Case Study Of Credit System Construction In STZ Compan

The problem of financing dilemma in small and medium enterprises have become asevere phenomenon.Reasons of it are from the result of interaction between external operationand internal financing environment. The external key factors of financing problem in thatenterprises are listed as defect of enterprise system, management, financial situation,creditsituation etc.The insufficient of those condition directly causes the enterprises difficult tosatisfy the financing common requirement in capital market. As a result,enterprises aredifficult to obtain the funds from capital market.Further survey in this paper shows the small and medium enterprises are undergoingfinancing problems spurred by small operation scale, weak operation ability with irrationalproduct structure, unreasonable management, backward equipment, low technologyinnovation level short term business behavior.On the other hand, financial statement in mostof the enterprises are randomness, without authenticity and not transparent make the financialinstitutions and banks dare not to loan to the enterprises for the unreal repayment ability andharsh restriction of loan demand.In fact, small and medium enterprises themselves should payattention to the credit system to solve current problem.Above all, the present study mainlyfocus on how can the enterprise earns the capital market applying credit system construction.The background of this paper is based on credit construction of STZ company. The detailof STZ company and reflection to itself have been show to illustrate and analysis the usage ofcredit system.The case of STZ company is able to enlighten the small and medium enterprises whichare undergoing a sustainable developing stage in China to solve the financing problem. In thewhole study, the author combines the theory with practice to analysis the credit situation ofSTZ company. According to various data from investigation, research and interview, thedevelopment process and solution to the problem of STZ company impacted by credit hasbeen made clear. By statistical method, comparative method, inductive method, deductivemethod and other research methods applied, the main method of STZ company utilized toestablish the credit system and promotion to the financing ability as well as diversification areconcluded. What’s more, this study makes significant sense to enable the finance marketbecome active and improve the construction of bond market infrastructure.