【正文】 總之，要 真正有效地解決中小企業(yè)融資難的問(wèn)題，需要經(jīng)過(guò)政府、企業(yè)、銀行三方的共同努力，創(chuàng)建一個(gè)融資渠道多樣化、社會(huì)信用完善的社會(huì)經(jīng)濟(jì)環(huán)境，為中小企業(yè)的發(fā)展提供一個(gè)寬松的融資環(huán)境。中小金融機(jī)構(gòu)一般了解地方基層，能夠利用當(dāng)?shù)氐男畔⒘私獗镜刂行∑髽I(yè)的生產(chǎn)經(jīng)營(yíng)狀況，這樣中小金融機(jī)構(gòu)在為中小企業(yè)提供金融支持時(shí)，具有信息和交易成本低的優(yōu)勢(shì)。創(chuàng)業(yè)板主 要要看企業(yè)發(fā)展的潛力，這樣為中小企業(yè)盡早進(jìn)入國(guó)有企業(yè)創(chuàng)造條件。同時(shí)還要建立一整套信用等級(jí)評(píng)估制度和指標(biāo)，積極配合政府有關(guān)部門(mén)，盡快構(gòu)筑信用體系。根據(jù)現(xiàn)代企業(yè)制度 的要求和中小企業(yè)自身的特點(diǎn)，大力推進(jìn)股份合作制，促進(jìn)中小企業(yè)的改革。我國(guó) 《公司法》還規(guī)定有限責(zé)任公司發(fā)行債券其凈資產(chǎn)不得少于 6000 萬(wàn)元，股份有限公司凈資產(chǎn)不得少于 3000 萬(wàn)元，并且有實(shí)力雄厚的企業(yè)擔(dān)保，不允許企業(yè)私募發(fā)行，這一系列條件也限制中小企業(yè)通過(guò)發(fā)行債券融資的空間。通常，中小企業(yè)資金在經(jīng)營(yíng)管理狀況方面比銀行擁有更多信息，因此，中小企業(yè)就有優(yōu)勢(shì)在合同簽訂的過(guò)程中或事后的資金使用過(guò)程中損害銀行的利益，使銀行承擔(dān)過(guò)多的風(fēng)險(xiǎn)。同時(shí)，企業(yè)為了應(yīng)付監(jiān)督部門(mén)的檢查 ，還要準(zhǔn)備兩套帳，甚至多套帳，這樣，企業(yè)很難提供準(zhǔn)確的會(huì)計(jì)信息資料，銀行也無(wú)法摸清企業(yè)的真實(shí)面目，增加銀行對(duì)企業(yè)貸款的風(fēng)險(xiǎn)。究其根源，既有中小企業(yè)自身的原因，也有銀行管理制度方面的原因，更有國(guó)家政策方面的原因。s credit rating. For enterprises in the credit rating method for enterprise itself, the credit rating weight only 15%, pay more attention to the authenticity of the trading counterparty and. Most enterprises are in the supply chain of trade, survive, it must have upstream and downstream of the raw material supply semifinished products or services or transportation or logistics management in this process, so as to retrieve the enterprise credit record, these things can be easier to choose good credit are true of the enterprise, trade background to provide enough good service, mobilize various financial tools, in the process of enterprise development, ShenFaZhan also created the profits. 3, business process innovation. Our country mercial bank, the bank is mostly 12 official in the house, wait for a loan to customers approval for a month, three months, such a kind of management, such an examination result is impossible to small and mediumsized enterprise financial services, it is impossible to improve the financing difficulties of small and mediumsized enterprises. Banks to reduce threshold, the other is to simplify the process, reduce link, establish examination mechanism, so as to adapt to the credit fund is short and small, fast. The bank of China on April introduced credit factory. The bank is a factory, small and mediumsized enterprises is raw material, into the line after the marketing, sales, and service, with approval, and customer maintenance and postloan management, obtain loans. But Banks are not a person from beginning to end, but plete all seven groups, each worker sent a link on guard line and batch production. Through the way of examination and approval procedures simplified. Through this process to make sure that the smes39。 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 。 加強(qiáng)人員培訓(xùn)。 業(yè)務(wù)流程創(chuàng)新。抵押品不足是中小企業(yè)最大軟肋 , 他們不可能買(mǎi)一堆房子然后準(zhǔn)備做擔(dān)保，這是不現(xiàn)實(shí)的，對(duì)于高新企業(yè)而言核心的資產(chǎn)應(yīng)該是他們的知識(shí)產(chǎn)權(quán)， 專(zhuān)利權(quán)和一個(gè)在技術(shù)、在市場(chǎng)上創(chuàng)新的團(tuán)隊(duì)，是最重要的資產(chǎn)，可以使他們每年高速增長(zhǎng)，但是資金就像血液一樣支撐其發(fā)展，這幾塊都需要資金，而抵押物不足，銀行不給放貸。 09 年 10 月，創(chuàng)業(yè)板正式啟動(dòng)。因此需要多方面的對(duì)銀行進(jìn)行風(fēng)險(xiǎn)補(bǔ)償。 三、中小企業(yè)融資難解決之道 ( 一 ) 從政府角度而言 政府應(yīng)該放松管制，降低市場(chǎng)準(zhǔn)入壁壘，讓更多的小銀行，以服務(wù)中小企業(yè)為戰(zhàn)略定位的那些小銀行能夠蓬蓬勃勃的發(fā)展起來(lái)。一個(gè)銀行經(jīng)營(yíng)的成本，有一半左右是勞動(dòng)力成本，做中小企業(yè)特別是做小企業(yè)的勞動(dòng)力成本非常高，無(wú)論是五百萬(wàn)還是五千萬(wàn)，是五個(gè)億還是五十個(gè)億的一筆貸款，它的工作量是相同的，但 是它所產(chǎn)生的效益是成百倍的不同。從這個(gè)意義上說(shuō)，國(guó)際金融危機(jī)沖擊下的我國(guó)經(jīng)濟(jì)能否真正的走出低谷，關(guān)鍵是廣大中小企業(yè) 的活力能否得到完全恢復(fù)。中小企業(yè)同樣是我們國(guó)家自主創(chuàng)新的一個(gè)重要力量， 66％的發(fā)明專(zhuān)利， 82％的新產(chǎn)品開(kāi)發(fā)都來(lái)自于中小企業(yè)，中小企業(yè)已經(jīng)成為繁榮經(jīng)濟(jì)、擴(kuò)大就業(yè)、調(diào)整結(jié)構(gòu)、推動(dòng)創(chuàng)新和形成新的產(chǎn)業(yè)的重要的力量。第二個(gè)，從銀行方 3 面來(lái)看，對(duì)于中小企業(yè)的貸款條件更加嚴(yán)格，因?yàn)槲覀兊你y行大部分是商業(yè)銀行，它也考慮自身的風(fēng)險(xiǎn)，自身的利潤(rùn)。在海外，中小企業(yè)成長(zhǎng)過(guò)程中的融資不僅僅依靠銀行的貸款，很多時(shí)候是獲得風(fēng)險(xiǎn)投資或者創(chuàng)投的幫助，然而我國(guó)的中小企業(yè)在成長(zhǎng)中，基本無(wú)法獲得這樣的融資。 當(dāng)然，信用體系也不是只靠政府，現(xiàn)在有一些網(wǎng)絡(luò)公司，比如阿里巴巴在嘗試用網(wǎng)上交易的信息變成中小企業(yè)的信用指標(biāo)，這個(gè)信用指標(biāo)如果出來(lái)了以后，可以進(jìn)一步降低銀行的信息成本。中小企業(yè)類(lèi)型不一，所處的發(fā)展階段不盡相同，決定了中小企業(yè)的融資需求也不一樣。 ( 二 ) 從銀行角度而言 如果依靠我國(guó)銀行業(yè)的現(xiàn)有金融產(chǎn)品和對(duì)中小企業(yè)貸款的相關(guān)規(guī)定，要想解決中小企業(yè)融資難問(wèn)題是不可能的，我們改變不了中小企業(yè)的現(xiàn)狀，那么我們就改變我們銀行的信貸方式，金融創(chuàng)新迫在眉睫。又如深圳發(fā)展銀行 , 他們通過(guò)關(guān)注企業(yè)交易對(duì)手的信用，關(guān)注企業(yè)的真實(shí)性， 選擇了一種新的對(duì)企業(yè)的信用評(píng)級(jí)方式。而銀行也不是一個(gè)人從頭到尾完成所有環(huán)節(jié)，而是派出 7 組工人，每人把住流水線上的一個(gè)環(huán)節(jié)，批量生產(chǎn)。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)。a, solving some problems, but the loans of the small and mediumsized enterprises, especially those small problems, once the bankruptcy, nobody tube, so the bank loan quality cannot guaranteed, so in this management system, to reduce the risks, the bank will demand of small and mediumsized enterprises in providing enough after pawn dare loan. Another bank from the operation cost of small and mediumsized enterprises, do loans will pay more manpower, so also does not want to extend loans to small and mediumsized enterprises. A bank operating costs, the half is labor cost, small and mediumsized enterprises especially do small, very high labor costs, is five million or 50m or fifty billion billion a loan, it is the same as the workload, but it is the benefit of different times. Third, the sme financing channel is too narrow and small and mediumsized enterprises in the capital markets have direct financing ways of securities market, including small plate and gem, And private equity funds, industrial investment funds, venture investment funds, risk investment funds, and the bond market, etc. But since the sept. 25, 2020, the small plate market, securities issued after huachang chemical and closed the door, just recently IPO to restart the IPO. But gem is ten years, good until now only be vividly 9 portrayed. Although with gem listing conditions, but a lot of small and mediumsized enterprises to financing, for many enterprises, it is still a luxury. In overseas, small and mediumsized enterprises in the process of growing only rely on bank loan financing, many times is a venture investment risk or the help of small and mediumsized enterprises in China, however, can grow in the basic of financing. Shenzhen has 3,000 venture pany, with a registered capital of 6,000 billion, but no pany is willing to startup investment enterprise. The pany is more mature, can the fancy of the securities market and gem. Third, the sme financing difficulty in solving the problem (a) from the Angle of the government 1, the government should relax market access control, reducing barriers, let more smaller Banks, small and mediumsized enterprises