Research On JH Company's Bank Loan Financing

Small and medium-sized enterprises(SMEs)are the largest,most extensive and most innovative enterprise groups in our country,which have important strategic significance for national economic and social development.However,it is difficult for SMEs to get the support in financing to match their strategic role.At present,SMEs are still facing difficulties in financing and expensive financing.Although the central and local governments have issued a series of favorable measures in finance,finance,law and other aspects,they are only curing the "benchmark" and "root cause",and have not fundamentally solved the current financing difficulties and expensive financing problems of small and medium-sized enterprises.Therefore,how to effectively solve the financing difficulties of SMEs is an important problem for scholars,enterprises and governments.Based on the actual development of Wenzhou,this paper reviews and combs the relevant literature comprehensively and systematically,and chooses JH company,a typical small and medium-sized enterprise in Wenzhou,as the research object.By using the methods of literature analysis,case analysis and investigation,this paper makes a systematic study on the debt financing of JH company.Firstly,this paper focuses on the business situation,financial situation,financing characteristics and other dimensions,and analyses the bank loan financing problems of JH Company as a small and medium-sized enterprise in Wenzhou from the micro-perspective,so as to change the original one-sided macro-perspective to analyze the difficulties faced by small and medium-sized enterprises in bank loan financing,and further deepen.This paper analyses the problems of bank loan financing of SMEs similar to JH Company.Secondly,this paper classifies and analyzes the causes of JH company's bank loan financing problems from the internal and external factors,focusing on the internal factors of the enterprise,and finds out the enterprise problems from the micro perspective of organizational structure,financing management,staffing,information asymmetry,product innovation and so on.Supplemented by external environmental factors,the causes of problems are analyzed in three dimensions and multi dimensions.Finally,aiming at the internal and external factors of JH company's bank loan financing problems,this paper summarizes the countermeasures and suggestions for the actual operation of enterprises themselves,and lists the areas where government departments and financial institutions can further improve and improve.