【正文】 s credit transaction, the authenticity of the enterprise, choose a new way of enterprise39。 企業(yè)應(yīng)加強誠信體系建設(shè)，建立規(guī)范透明的管理制度，建立真實可信的財務(wù)報表，積累企業(yè)的信用制度。通過這種流程安排使其對于中小企業(yè)信貸審批的周期從過去 3 個月，縮短到現(xiàn)在的 5 天。大部分企業(yè)都是在貿(mào)易鏈中，在供應(yīng)鏈中生存的，它一定有上游的原材料供應(yīng)和下游的產(chǎn)品或者是半成品的服務(wù)或者是運輸或者是物流的管理，那么在這個過程當(dāng)都能夠檢索到企業(yè)的信用記錄，用這些東西就可以比較容易的選擇到好的重信用的有真實貿(mào)易背景的這些企業(yè)，向其提供足夠好的服務(wù)，調(diào)動各種各樣的金融工具，在企業(yè)發(fā)展的過程中，深發(fā)展也創(chuàng)造了利潤。 擔(dān)保抵押創(chuàng)新。我國 2 0 0 4 年深圳交易所創(chuàng)立中小板 ,通過推動資本、科技、管理等要素有效的結(jié)合，中小板既培育了一批優(yōu)質(zhì)企業(yè)，也為促進(jìn)產(chǎn)業(yè)結(jié)構(gòu)的升級發(fā)揮了積極的作用。例如到去 年末為止，福建省小企業(yè)貸款的不良貸款率是 %，而整個銀行業(yè)，平均的水平是百分之二點一幾， 而風(fēng)險補償金，只是給 個百分點， 只解決一小部分。這些公司更多的時候只是看中比較成熟、能上創(chuàng) 業(yè)板和證券市場的企業(yè)。另外銀行從運營成本考慮，做中小企業(yè)貸款將付出更多的人力物力，因此也不 愿意向中小企業(yè)發(fā)放貸款。目前 企業(yè) 融資 困 難、貸款 困 難已成為制約中小企業(yè)發(fā)展的 重要因素 , 中小企業(yè)生產(chǎn)經(jīng)營面臨著嚴(yán)峻困難， 據(jù)統(tǒng)計到 08年底 ， 很多 中小企業(yè)中歇業(yè)停產(chǎn)或者倒閉的大約占 7 .5％，城鎮(zhèn)就業(yè)更加困難，這個狀況不僅影響我國經(jīng)濟的復(fù)蘇，而且直接影響保增長、保民生、保穩(wěn)定的發(fā)展目標(biāo)。從這個意義上說，國際金融危機沖擊下的我國經(jīng)濟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)。一個銀行經(jīng)營的成本，有一半左右是勞動力成本，做中小企業(yè)特別是做小企業(yè)的勞動力成本非常高，無論是五百萬還是五千萬，是五個億還是五十個億的一筆貸款，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。 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。因此需要多方面的對銀行進(jìn)行風(fēng)險補償。 09 年 10 月，創(chuàng)業(yè)板正式啟動。抵押品不足是中小企業(yè)最大軟肋 , 他們不可能買一堆房子然后準(zhǔn)備做擔(dān)保，這是不現(xiàn)實的，對于高新企業(yè)而言核心的資產(chǎn)應(yīng)該是他們的知識產(chǎn)權(quán)， 專利權(quán)和一個在技術(shù)、在市場上創(chuàng)新的團(tuán)隊，是最重要的資產(chǎn)，可以使他們每年高速增長，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。 業(yè)務(wù)流程 創(chuàng)新。 加強人員培訓(xùn)。 綜上所述 , 中小企業(yè)的融資是一個全球性的難題，也是一項系統(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越走越寬廣，我們的前景也會越來越美好。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 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。s equity financing, stock transfer to a valid the overthecounter market. In 2020, 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, 2020, 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 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 organization innovation, risk management technical innovation, innovat