外文資料翻譯----中小企業(yè)融資難相關(guān)問題分析-企業(yè)融資-預(yù)覽頁
【正文】 ock transfer to a valid the overthecounter market. In 2021, China launched fei jointstock pany listing for trading of securities panies entering the pilot work. Besides the government should vigorously promote the development of the bond market, bond financing for small and medium enterprises to provide more convenient, in the developed countries, the bond market is the main financing, financing, in the United States, for example, 2021, the pany bonds is circulation stock circulation of 5 times, with the United States, Europe and other countries and regions in the bond market, also has the very big development space. (b) from the bank Angle 11 If rely on the existing in banking financial products and sme loans, to solve the difficulty in financing smes is impossible, we cannot change the present situation of small and mediumsized enterprises, so we would change our bank credit, financial innovation is imminent. Currently banking is through the anization innovation, risk management technical innovation, innovation, and security collateral product innovation so as to change the status of financing for smes. 1， guarantee mortgage innovation. Collateral shortage is small and mediumsized enterprise biggest soft rib, they could not buy a heap of the house and then prepare for security, it is not realistic to hightech enterprise, as the core of assets should be their intellectual property rights, the patent right and one on the market in technology, creative team, is the most important asset, can make their annual growth, but the capital like the blood to support its development, as well as several pieces of the mortgaged property, but all need money to lend, bank. The small and mediumsized Banks are many provinces in the face of financial innovation of small and mediumsized enterprises, such as jiangsu cooperatives experiment widely warehouse inventory impawn, through a mortgage loan product, Tianjin coastal rural mercial bank actively carry out enterprise shareholding pledge loan, Beijing bank recently launched intellectual property as a pledge from the bank for a loan. 2， credit rating innovation. Big Banks do business of time, usually see a balance sheet, an ine statement and a cash flow statement, small and mediumsized enterprises have even these three tables are not high, the bank information costs, zhejiang tyrone arisen, mercial Banks, they look for innovative water meter, customs declaration form, large, reduce cost, still can make small loans to earn enough money. Like shenzhen development bank, by focusing on their opponent39。d efforts, with the strain of new incentive and restraint measures to cultivate a professional team and the new service. (c) from the Angle of enterprises 1, enterprises should strengthen management, improve quality. To correctly understand the situation, face, establish the risk by management effectiveness and development idea, must pay more attention to technical innovation, technological innovation, pay attention to the new product development, improve quality and brand construction and development of new products, improve the product quality improvement, and win the market. Reducing energy consumption, to increase, increasing earnings. Increasing market development ability, reduce products, accounts receivable two nbre, accelerate the capital turnover. Through the development way, not only by the expansion of production, but improve the quality of the industrial sector realize rapid growth. 2, the enterprises should strengthen the construction of credit system, establish the standard of management system, establish the transparent reliable financial statements, the accumulation of enterprise credit system. 13 To sum up, the sme financing is a global problem, but also a systematic engineering, which requires concerted effort, also needs the medium and smallsized enterprises management, this thing whether it advances the way how difficult, as long as we joint effort, to break the financing difficulties of small and mediumsized enterprises contribute their wisdom and strength, change the idea, bold innovation, finding solutions to sme financing in the right way, then we will be on a road more walk more broad prospects, we would also more and more beautiful.
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