【正文】 流程安排使其對(duì)于中 小企業(yè)信貸審批的周期從過(guò)去 3 個(gè)月，縮短到現(xiàn)在的 5 天。 加強(qiáng)人員培訓(xùn)。在機(jī)制建設(shè)以后就要有一批人能夠做這件事情，而且把它做得很好，這就要加強(qiáng)員工的培訓(xùn)，進(jìn)一步加強(qiáng)對(duì)中小企業(yè)、微小企業(yè)貸款以及高新技術(shù)的中小企業(yè)的貸款工作的培訓(xùn)和交流的力度，加大整個(gè)產(chǎn)品應(yīng)變研發(fā)的力度，用新的激勵(lì)約束的辦法來(lái)培養(yǎng)一支專業(yè)的隊(duì)伍和新的服務(wù)文化。 (三 ) 從企業(yè)角度而言 企業(yè)應(yīng)加強(qiáng)管理、提高素質(zhì)。要正確認(rèn)識(shí)當(dāng)前形勢(shì)，正視風(fēng)險(xiǎn)，樹(shù)立靠管理求效益、謀發(fā)展的觀念 , 要更加注重技術(shù)改造、科技創(chuàng)新，注重新產(chǎn)品研發(fā)、質(zhì)量改 進(jìn)和品牌建設(shè)，不斷拓展新產(chǎn)品，提高產(chǎn)品附加值，以內(nèi)在質(zhì)量的提高，贏得市場(chǎng)。努力節(jié)能降耗、降本增效、增收節(jié)支。加大市場(chǎng)開(kāi)拓能力，降低“產(chǎn)成品、應(yīng)收賬款”兩項(xiàng)資金占用，加快資金周轉(zhuǎn)。通過(guò)轉(zhuǎn)變發(fā)展方式，不是單靠產(chǎn)量的擴(kuò)張，而是靠質(zhì)的提高實(shí)現(xiàn)工業(yè)增加值的較快增長(zhǎng)。 企業(yè)應(yīng)加強(qiáng)誠(chéng)信體系建設(shè)，建立規(guī)范透明的管理制度，建立真實(shí)可信的財(cái)務(wù)報(bào)表，積累企業(yè)的信用制度。 綜上所述 , 中小企業(yè)的融資是一個(gè)全球性的難題，也是一項(xiàng)系統(tǒng)工程，需要各方的共同努力，也更需要中小企業(yè)自身的管理進(jìn)步，這件事情不管它的前進(jìn)道路上有多大的困難 ，只要我們大家共同努力，為破解中小企業(yè)的融資難題貢獻(xiàn)自己的智慧和力量，轉(zhuǎn)變觀念，進(jìn)行大膽創(chuàng)新，找到解決中小企業(yè)融資難的正確途徑 , 那么在這一條道路上面我們就會(huì)越走越寬廣，我們的前景也會(huì)越來(lái)越美好 。 Small and medium enterprises financing problems related to the analysis First， small and mediumsized enterprise financing status Reform and opening up, China for 30 years of small and mediumsized enterprises obtained a rapid development of enterprise, 99% of the small and mediumsized enterprises of our country more than 60% GDP contribution, tax over 50%, provides 70% of import and export trade and 80% of urban jobs. Small and mediumsized enterprises in our country is also an important power of independent innovation, 66% of invention patent, 82% of new product development of small and mediumsized enterprises, from small and mediumsized enterprises has bee the economic prosperity, expanding employment, adjusting structure, promote innovation and new industries of important strength. From 80 years since the outbreak of the international financial crisis, the implementation of the positive fiscal policy and looser moary policy, but no small and mediumsized enterprises from the proactive fiscal policy and moderate looser moary policy benefit directly, for instance, of the new 2020 225 million small loan only, more than the previous year, but rose % only the loans increased %, 09 year three months of national total credit increased 4 8 trillion, including loans to small and mediumsized enterprises increased amount only less than 5%. Current, loan financing difficult has bee the bottleneck of restricting the development of small and mediumsized enterprises and small and mediumsized enterprise production and management faced difficulties, according to the state statistical bureau of statistics and letter until the end of 2020 in the small and mediumsized enterprises of production or collapse closed accounts for about 7. 5%, the urban employment, this situation is not only more difficult economic recovery, influence and directly affect the growth and development of people39。s livelihood, stable target. In this sense, the international financial crisis under the impact of China39。s economy could not really low, the key is out of small and mediumsized enterprises vitality can be fully recovered. Second, the small and medium enterprises financing reason analysis Small and medium enterprises loans and financing is a cosmopolitan should say, see, both from China, and mechanism of medium and smallsized enterprises, there are three main reasons: first, the medium and smallsized enterprises, small and mediumsized enterprises generally small, weak strength, it39。s not too much credit. Small and mediumsized enterprises generally weak awareness of honesty, similar to a few of the mon phenomenon, may report on tax on some, less ugly stateme nts in Banks, this intersection, some may form goodlooking, such loans point is reliable became a problem. But this approach is very adverse instead of enterprises, the development of small and mediumsized enterprises are not healthy, we imagine, if several departments with all these together, the first this enterprise is not sincere, he will have a foothold. We manufacture and exportoriented small and medium enterprises in human resources, technology, capital, market environment faced financial crisis, there was a huge pressure, the development of it is the root cause of the scientific and technological content of the enterprise, the innovation ability of high enough to enter the market is weak, the low threshold, the fierce petition in the market will increase, these are not good for the development of small and mediumsized enterprises. Second, from the bank, for small and mediumsized enterprise credit co