Research On GD Company's Bank Loan Financing Problem

Small and medium-sized enterprises are an important carrier of mass entrepreneurship and innovation in China.They play an irreplaceable role in increasing national employment,promoting economic growth,scientific and technological innovation and social harmony and stability,and play an important strategic role in national economic and social development.However,the support that smes receive in financing matches their irreplaceable social place.At present,small and medium-sized enterprises in China are still facing a very serious financing difficulties,financing expensive problems.Although the central and local governments have introduced a series of favorable measures in fiscal,financial,legal and other aspects,the actual effect of implementation is not obvious,and the current financing problem of smes has not been fundamentally solved.Therefore,how to effectively deal with the difficult financing problem of small and medium-sized enterprises has been placed in front of scholars,enterprises,the government is an important problem,has great significance.In this paper,based on the development of small and medium-sized enterprises in our province and the actual financial institutions in our province the present mainstream credit policy,the comprehensive review and comb systematically on the basis of related literature,GD company selected the traditional manufacturing small and medium-sized enterprises as the research object,using literature analysis,case analysis research on the financing problems of GD company system.GD company is a traditional private printing and dyeing enterprise with international advanced level in the central plains area.The company was established in December,2003,the address is located in the zizhu road east and xushangnan,zhongyuan district,zhengzhou city,registered capital of 50 million yuan,business scope includes:spinning,weaving,printing and dyeing cloth sales;Processing,sales of clothing,bedding,engaged in goods and technology import and export business.The company's products more than 20 kinds,has registered 4 trademarks,28 patents,spring dance,liqian brand,north ice penguin,snow sea and other series in the MiddleEast and Africa textile market by the reputation brand,quality trusted products,all kinds of poly-cotton bleached cloth,dyed cloth,cloth,quality three guarantees,selling the world.In the Middle East,Africa market share is higher.Up to now,the company has six production lines,including two bleaching lines,two dyeing lines and two printing lines,with an annual sales revenue of about 400 million.This paper hope this tradition through systemic research GD company manufacturing small and medium-sized enterprise financing problems,summarizes the analysis of the problems existing in the financing and find the root cause,in combination with the practical situation of the enterprise itself and the financing environment change,financing policy,financing channels for the future of GD company put forward some specific countermeasures and Suggestions,in order to provide reference for other similar enterprises,to small contributions to the development of small and medium-sized enterprises in our country.