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Finance and entrepreneurship

2018-09-29 来源: 51due教员组 类别: 更多范文

下面为大家整理一篇优秀的assignment代写范文- Finance and entrepreneurship,供大家参考学习,这篇论文讨论了金融与创业。随着金融业的发展,在不断优化金融产品与服务、拓展经营领域的同时,金融业对社会事业的支撑作用日渐凸显。在服务于传统企业运营与居民生活的同时,金融业对创业的重要支持作用也正在逐渐获得重视。由于创业本身的复杂性,金融业对创业的支持也是多视角、多维度的。金融业对创业的支持可以体现在创业的关键要素和创业生命周期两方面。

Finance,entrepreneurship,assignment代写,paper代写,美国作业代写

As a new way to expand employment and promote economic development, entrepreneurship has become a hot spot in the fields of policy guidance, theoretical research and practice in recent years. With the in-depth development of the financial industry, while constantly optimizing financial products and services and expanding the business sector, the supporting role of the financial industry in social undertakings has become increasingly prominent. While serving the operation of traditional enterprises and the lives of residents, the important role of financial industry in supporting entrepreneurship is gradually gaining attention from the policy and financial sectors.

Due to the complexity of entrepreneurship itself, the financial industry supports entrepreneurship with multiple perspectives and dimensions. The financial industry's support for entrepreneurship can be reflected in the key elements of entrepreneurship and the entrepreneurial life cycle.

In the traditional concept, work pays attention to "time, geographical position, person and person", the same is true for entrepreneurship. The entrepreneurial process requires input of many factors, such as capital, technology, opportunity, team, network, environment, etc., all of which are the key factors that determine the success or failure of entrepreneurship. The financial industry's support for entrepreneurship can be reflected in the analysis, acquisition, cultivation and construction of the above elements.

The financial industry's support for entrepreneurship mainly revolves around the key elements of entrepreneurship. Among the many elements, the most relevant to the financial industry is capital, which is one of the most important input elements in entrepreneurial activity and often becomes the bottleneck that restricts the entrepreneurial process. The financial industry can provide financial support for entrepreneurial activities through credit, investment and other ways, which is the most traditional way for the financial industry to support entrepreneurship.

Any entrepreneurial activity cannot be separated from specific technologies. From production and processing, product formulation and management, it is the core technology of entrepreneurial activities. For opportunistic entrepreneurship, mastering core technologies is often the source of motivation for entrepreneurship. For survival entrepreneurship, the mastery of core technologies makes entrepreneurial activity possible. The financial industry can make entrepreneurship possible by virtue of its extensive customer resources and close relationship with relevant institutions and departments, and by providing consulting services and intermediary services, provide entrepreneurs with the core technology sources for entrepreneurship. At the same time, the financial industry can also provide financial support in the process of learning and mastering core technologies by entrepreneurs, such as investment and financing support in the process of purchase of patented technologies and expenditure of training expenses.

The recognition and grasp of entrepreneurial opportunities is the premise of entrepreneurial activities. In the face of potential entrepreneurial opportunities, how to identify and judge the profitability and feasibility often bothers many entrepreneurs. With abundant resources and experience in such fields as investment and financing, the financial industry can provide consulting services such as profitability and feasibility analysis of entrepreneurial opportunities for entrepreneurs to increase the success rate and reliability of entrepreneurial opportunity identification. At the same time, the financial industry can also provide financial support for entrepreneurs in the process of developing and utilizing entrepreneurial opportunities.

As one of the elements of "people", the entrepreneurial team is directly related to the success or failure of the entrepreneurial activity. The entrepreneurial team's ability level in knowledge structure, judgment, foresight, technical strength and other aspects directly affects the whole entrepreneurial process, both for single team and multi-team. The financial industry can provide consulting services, headhunting services, intermediary services and other non-financial services for the construction of entrepreneurial teams by virtue of its rich customer resources and investment and financing experience in related industries. At the same time, it can provide financial support for entrepreneurial talent accumulation, talent cultivation and team building.

Entrepreneurial network is also one of the important "people" elements in the entrepreneurial process. Entrepreneurship network can be commonly understood as "network", but the "network" here includes not only the relationship between the entrepreneur and the relevant individual, but also the relationship between related institutions and organizations. The number of these connections can be measured by the network density index, and the closeness of these connections can be measured by the network strength index. For a company to start a business, its early enterprise activities can accumulate certain entrepreneurial network resources for the subsequent entrepreneurial activities. However, for individual entrepreneurship, especially survival entrepreneurship, the entrepreneurial network is extremely limited, not even density and intensity. The financial industry can still provide the entrepreneurs with non-financial services such as consultation of entrepreneurial network construction, expansion of entrepreneurial network nodes, improvement of entrepreneurial network density and intensity, and financial support services in the process of entrepreneurial network construction by virtue of its rich resources and experience in related fields.

Entrepreneurial activity cannot be separated from the entrepreneurial environment, which includes internal environment and external environment. The internal environment mainly refers to the facilities and equipment, personnel composition, enterprise culture, incentive mechanism, etc. External environment mainly refers to policies, finance, infrastructure, culture, education, etc. The financial industry can provide consultation, implementation, and capital services on the construction and construction of internal environment to achieve financial and non-financial support for entrepreneurs. At the same time, the financial industry can also provide consultation, implementation, and capital services in the construction and construction of regional and local entrepreneurship environments, so as to realize the support for relevant policy departments and assume social responsibilities.

The entrepreneurial life cycle mainly includes four stages: r&d, establishment, growth and maturity. The financial industry's support for entrepreneurship can also be reflected in the various stages of the entrepreneurial life cycle.

The research and development period, that is, the incubation stage of a startup, is usually after the entrepreneur produces a new discovery or idea in technology, it is necessary to determine its technical and commercial feasibility, manufacture samples and make business plans. As the preparation stage of entrepreneurship, there is capital demand in this stage, and the capital is mainly used as seed capital to enable high-tech development ideas to be launched. Funding sources are mostly self-raised or funded by government technology development funds. Venture capital is still only in the stage of review, screening and preparation of investment, and has not infiltrated into start-ups. Financial enterprises can use relevant resources and experience advantages to analyze and judge entrepreneurial activities in the research and development period, and provide consulting and intermediary support in terms of entrepreneurial technology elements, opportunity elements and team elements. Due to the great uncertainty, financial enterprises should be careful about the financial support for the entrepreneurial activities in the research and development period, especially for the surviving entrepreneurship without mortgage and guarantee.

The initial stage, that is, the preparation stage of the startup, is to judge the growth potential of the product through testing and trial marketing. The demand for capital from entrepreneurs will increase significantly, mainly for product development, prototype testing and pilot marketing. During the establishment period, venture capital companies started to enter into entrepreneurial enterprises and gradually became the investment subject of these enterprises. However, most of the investment was carried out in stages. The venture capital initially entered was small and involved in the business decision-making of enterprises. In this stage, although the risk is lower than that in the research and development period, there is still high uncertainty. On the basis of systematic evaluation and analysis, financial enterprises should provide financial support cautiously, mainly in the form of mortgage with higher security, and relevant constraints can be appropriately relaxed for start-ups with more optimistic evaluation results. In addition to financial support, the financial industry can also provide consulting and intermediary support in entrepreneurship technology, team, network and other aspects.

In the growth stage, that is, the development stage of entrepreneurial enterprises, the production line has been established, but there is no brand image and sales network. The focus of work will gradually turn to improving product quality, reducing cost, developing new products and building market network. In the growth period, the capital demand of venture enterprises will increase substantially, mainly used for production and sales, and additional payment equipment investment and circulation of production and sales. At this stage, the venture capital company is still the main investor. The venture capital company can increase the venture capital, strengthen the risk management and promote the growth of the enterprise. At this stage, the financial industry can provide relevant consulting, non-financial support such as intermediary, as well as financing and other aspects in the aspects of entrepreneurship technology, network and environment.

Mature period, that is, entrepreneurial enterprises are ready to develop into a variety of large-scale development. As profits increase and risk gradually decreases, large amounts of capital are still needed to expand the scale. In this stage, commercial Banks are the main investors, and venture capital companies help venture enterprises open up, seek for listing, selling or other ways of exit, and take opportunities to cash out. In the mature period, the entrepreneurial enterprises have actually changed to mature enterprises, and the management arrangement is similar to that of mature enterprises. The financial industry should provide integrated financial products and services by virtue of the cooperative relationship established in the earlier stage.

A relatively systematic financial support system can be built by providing corresponding support around different entrepreneurial elements in different life cycles of entrepreneurial enterprises. In terms of specific support measures, the following points can be mainly focused on.

Develop diversified and flexible financial and non-financial products and services for different entrepreneurial elements and life cycles. While improving all kinds of financial services, it provides convenience for entrepreneurs. Financial institutions should start from the perspective of serving entrepreneurs and reduce the cost and access threshold of products and services for entrepreneurs. In addition, financial institutions should strengthen financial support for entrepreneurs and provide flexible and diversified financial and non-financial services such as financial solutions, consultation and intermediary services for entrepreneurs while improving traditional financial products and services.

Conduct the construction of credit system, guarantee system and financing system for different entrepreneurial groups. We will give play to the sharing role of the credit investigation system of the people's bank of China. As soon as possible, perfecting personal credit systems and the enterprise credit reporting system, personal credit system and the enterprise credit system for full coverage in the field of entrepreneurship, and expand the source of information acquisition, will be the basic information of the entrepreneurial individuals and businesses, such as credit information, and other information as soon as possible into the credit information database, for financial institutions to develop credit business to provide information support in the field of entrepreneurship. All financial institutions should actively carry out credit product innovation and develop characteristic micro-credit products tailored for different entrepreneurial groups. At the same time, they should actively carry out innovation in guarantee system and financing system to achieve strong support for entrepreneurship.

The entrepreneurship information platform should be built to include the information of entrepreneurs, project information, technical information, investment and financing information, and entrepreneurial network resource information. Through business information platform construction, can make up for the pioneering in the field of main body, financial institutions, and information asymmetry between the relevant factors, as a main body in entrepreneurship to provide technical information needed for the entrepreneurial process, project information, investment and financing information, business information network resources at the same time, also for financial institutions to expand the service channel.

Establish a risk warning system and mechanism for entrepreneurial enterprises to prevent and avoid risks related to financial enterprises while supporting entrepreneurship. Combining with the characteristics of entrepreneurial companies, using the scientific method, selecting typical measure, build a systematic business enterprise risk early warning system, supported by the business enterprise and its risks are focused on tracking, establish effective risk early warning mechanism, timely find business enterprise risk, and to take measures according to the types and features of the risk in to help deal with the risks related to start-ups, prevent and avoid the risks associated with financial institutions could face.

Through to provide financial and non-financial support entrepreneurship, integrate various resources, entrepreneurial enterprises to provide a full range of products and services, can make financial enterprises by a single financial products provider, gradually transition to surrounding financial solutions integrators package of products and services, the development trend of it and the current financial service integration is consistent.

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