Financing Management Research Of N Company

Small and medium enterprises are an important part of the market economy.In recent years,small and medium-sized enterprises have generally encountered the problems of "financing difficulty" and "expensive financing" in the process of development.This has left many potential companies in a dilemma when they need capital turnover,and even face the risk of bankruptcy.The current financing environment of SMEs needs to be improved urgently.On the one hand,the government and the market need to adjust the external environment,and on the other hand,enterprises themselves need to manage the financing situation.The research object of this article,Company N,is a small and medium-sized information technology enterprise mainly engaged in the development of big data cloud platform technology.Companies rely on continuous research and development and innovation to occupy a place in the professional field.With the continuous expansion of business in recent years,corporate financing has encountered bottlenecks.How to improve the existing financing work and seek more financing funds are the key issues for the future development of enterprises.By studying the basic situation of N company and the current situation of financing management,it is found that there are many problems in the financing management of the enterprise.The process of financing management was analyzed,and it was found that the financing process had problems such as the unequal approval authority and interests of financing plans,and the lack of evaluation of financing results;The scale of indirect financing has grown too fast,the indirect financing method is single,and the type of loan cooperative bank is single.After analyzing the financing structure,it is found that there are problems such as lack of long-term financing funds,unreasonable selection of loan credit structure,and heavy reliance on indirect financing.Management and analysis,including financing risk early-warning measures,debt interest rates,asset liquidity,etc.,found that risk early-warning measures are relatively weak,debt concentration is too high,loan bargaining power is weak,solvency is weak,and accounts receivable recovery pressure is high And other issues.Analyzing the reasons for the above problems,it is found that the main reasons are insufficient attention of enterprises to financing management,unreasonable arrangement of financing management personnel,weak awareness of capital cost management,and low level of information management.Based on the background of solving the problem of "financing difficulties" of small and medium-sized enterprises,this paper conducts research from the perspective of enterprise’s own management,selects N company as the research object,adopts case analysis,chart analysis and other methods,mainly through the study of N company’s financing process,channels,structure,Four aspects of risk management put forward improvement plans for financing management.In terms of management process,the approval process of financing plans has been improved,and the evaluation of financing effects has been increased;in terms of financing channels,the IPO process has been actively promoted,the types of cooperative banks have been expanded,and financial leasing and supply chain financing methods have been introduced to supplement medium and long-term financing channels.,especially combined with the project characteristics of N company,designed a three-party financial leasing plan,which has great practicability;in terms of financing structure,actively increase the proportion of long-term financing and adjust the existing loan credit structure;in terms of financing risk management,Fully improve the financing early warning process,and propose to strengthen communication with cooperative banks,coordinate mismatched debt deadlines,implement financing cost estimates,strive to improve the level of bargaining,strengthen accounts receivable management,conduct negotiations with suppliers,and establish asset supervision mechanisms,etc.Suggest.The research of this paper has certain help for N company to optimize financing management work,improve enterprise management level,and enhance comprehensive competitiveness.