【正文】 事實(shí)上我國(guó)中小企業(yè)擔(dān)保機(jī)構(gòu)存在著多個(gè)部門(mén)進(jìn)行管理．形成了多頭管理 ，這種狀況極不利于我國(guó)中小企業(yè)信用擔(dān)保體系的全面健康發(fā)展。這些原因造成企業(yè)很難得到銀行的信貸支持。我國(guó)的中小企業(yè)普遍還不具備現(xiàn)行證券管理所要求的上市規(guī)模及投資回報(bào)，即使能夠上市的在中小企業(yè)總量中所占比例也極小，所以它們基本上是被主板證券市場(chǎng)忽略不計(jì)的一類(lèi)群體。同時(shí)制定有關(guān)擔(dān)保機(jī)構(gòu)市場(chǎng)準(zhǔn)入制度、監(jiān)督管理制度、財(cái)務(wù)制度、風(fēng)險(xiǎn)控制等一系列的法律法規(guī)，逐步完善中小企業(yè)信用擔(dān)保的法律制度體系 制定可行的企業(yè)經(jīng)營(yíng)戰(zhàn)略 從企業(yè)發(fā)展的過(guò)程中體會(huì)到，中小企業(yè)財(cái)務(wù)風(fēng)險(xiǎn)高、信用等級(jí)低、融資難最大的問(wèn)題恰恰是非財(cái)務(wù)因素，企業(yè)發(fā)展過(guò)程當(dāng)中的戰(zhàn)略決策以及戰(zhàn)略的運(yùn)作，都是規(guī)避企業(yè)財(cái)務(wù)風(fēng)險(xiǎn)，解決企業(yè)融資難的非常重要的因素。其作用：一是便于企業(yè)與商業(yè)銀行建立長(zhǎng)期的信用關(guān)系，通過(guò)企業(yè)信用檔案，銀行可以快速、便捷地了解到企業(yè)的信用狀況，從而在短時(shí)間內(nèi)決定是否為該企業(yè)提供融資，減少企業(yè)融資時(shí)間，降低企業(yè)融資成本。再次，各類(lèi)銀行應(yīng)改進(jìn)中小企業(yè)的資信評(píng)估制度，開(kāi)展授信業(yè)務(wù)，對(duì)符合條件的中小企業(yè)發(fā)放信用貸款 。 與企業(yè)合作，爭(zhēng)取企 業(yè)資金支持 如果中小企業(yè) 與 大 企業(yè)合作，一方面與大企業(yè)合作或依附于大企業(yè)，成為大企業(yè)的加工承攬單位，生產(chǎn)與大企業(yè)配套的中間產(chǎn)品，為大企業(yè)提供穩(wěn)定的貨源 本 科 畢 業(yè) 論 文 第 13 頁(yè) 共 18 頁(yè) 13 和配套服務(wù)，有利于兩者的共同發(fā)展。解決這一課題，不僅僅是資金量上的支持，更要提高企業(yè)自身融資能力和信譽(yù)度；注重金融機(jī)制改革；改善政府調(diào)控宏觀經(jīng)濟(jì)的職能，加強(qiáng)制度供給 和金融扶持，培育良好的社會(huì)信用體系，發(fā)揮市場(chǎng)機(jī)制在 資源配置方面的基礎(chǔ)性作用。s time for the wild fruits to ripe. The picturesque Arxan in Autumn is indeed a fairyland only exists in a dream that satisfies all your fantasies. If it rains heavily on Saturday night, some elderly Chinese will say it is because Zhinu, or the Weaving Maid, is crying on the day she met her husband Niulang, or the Cowherd, on the Milky Way. Most Chinese remember being told this romantic tragedy when they were children on Qixi, or the Seventh Night Festival, which falls on the seventh day of the seventh lunar month, which is usually in early August. This year it falls on Saturday, August 2. Folklore Story As the story goes, once there was a cowherd, Niulang, who lived with his elder brother and sisterinlaw. But she disliked and abused him, and the boy was forced to leave home with only an old cow for pany. The cow, however, was a former god who had violated imperial rules and was sent to earth in bovine form. One day the cow led Niulang to a lake where fairies took a bath on earth. Among them was Zhinu, the most beautiful fairy and a skilled seamstress. The two fell in love at first sight and were soon married. They had a son and daughter and their happy life was held up as an example for hundreds of years in China. Yet in the eyes of the Jade Emperor, the Supreme Deity in Taoism, marriage between a mortal and fairy was strictly forbidden. He ordered the heaven troop to catch Zhinu back. Niulang grew desperate when he discovered Zhinu had been taken back to heaven. Driven by Niulang39。 Festival. In this day, girls will throw a sewing needle into a bowl full of water on the night of Qixi as a test of embroidery skills. If the needle floats on top of the water instead of sinking, it proves the girl is a skilled embroiders. Single women also pray for finding a good husband in the future. And the newly married women pray to bee pregnant quickly. Tradition transformed The love story of Niulang and Zhinu, and the Qixi Festival have been handed down for generations. Yet these ancient traditions and customs are slowly dying out. Many modern Chinese, particularly youngsters, seem to know more about St Valentine39。 本 科 畢 業(yè) 論 文 第 15 頁(yè) 共 18 頁(yè) 15 致謝 非常感謝柳治國(guó)老師在我大學(xué)的最后學(xué)習(xí)階段 畢業(yè)設(shè)計(jì)階段給自己的指導(dǎo)，從最初的定題，到資料的收集、修改，再到論文的定稿，他都給了我耐心的指導(dǎo)和無(wú)私的幫助。這樣不但能和大企業(yè)同盈利，取得供應(yīng)鏈管理的效果，而且可以獲得大企業(yè)的管理、技術(shù)和資金支持。放寬融資租賃公司的準(zhǔn)入條件，支持開(kāi)辦融資租賃業(yè)務(wù)，開(kāi)展專利權(quán)、商標(biāo)權(quán)等無(wú)形資產(chǎn)質(zhì)押貸款試點(diǎn) 。三是有助于企業(yè)獲取銀行的信貸優(yōu)惠，對(duì)于保持良好信用記錄的企業(yè)，銀行不僅縮短放貸的審批時(shí)間，而且在貸款額度、期限、利率和是否需要提供實(shí)物財(cái)產(chǎn)抵押等方面給予一定的優(yōu)惠政策。如果企業(yè)制定的戰(zhàn)略目 標(biāo)是錯(cuò)誤的，企業(yè)就不可避免地陷入危機(jī)之中。 缺乏市場(chǎng)化利率調(diào)節(jié)機(jī)制 銀行的贏利性、流動(dòng)性、安全性原則是相統(tǒng)一的。這種高度集中的信貸管理模式嚴(yán)重制約了信貸資金對(duì)中小企業(yè)的投入力度，同時(shí)造成了信貸人員的責(zé)、權(quán)、利嚴(yán)重不對(duì)稱。而我國(guó)尚未有明確的法律法規(guī)來(lái)規(guī)范和保護(hù)擔(dān)保行業(yè)，現(xiàn)有的規(guī)范基本上是國(guó)家各有關(guān)部門(mén)出臺(tái)的部門(mén)規(guī)章和地方政府根據(jù)有關(guān)政策自行制定的地方性法規(guī)。建立中小企業(yè)信用擔(dān)保體系，建立銀行與中小企業(yè)之間良好的信用關(guān)系，提高中小企業(yè)的信 本 科 畢 業(yè) 論 文 第 9 頁(yè) 共 18 頁(yè) 9 用觀念．，為中小企業(yè)補(bǔ)足信用。信用擔(dān)保 都被認(rèn)為是政府提供給中小企業(yè)的政策中最行之有效的政策工具 (樸昌日，韓國(guó)， 2022)。 由于這種現(xiàn)象最早由《麥克米倫報(bào)告》提出，因此被稱為“麥克米倫缺陷”。這表明，從總體上看我國(guó)目前對(duì)中小企業(yè)的貸款支持力度是比較大的。此舉進(jìn)一步推動(dòng)了我國(guó)中小企業(yè)信用擔(dān)保體系的發(fā)展和完善。這一階段的中小企業(yè)信用擔(dān)保體系帶有明顯的自發(fā)性、地方性、互助性。它是政府為促進(jìn)中小企業(yè)的發(fā)展，幫助其解決因信用不足而導(dǎo)致的融資困難等問(wèn)題所采取的一項(xiàng)扶持性措施。 關(guān)鍵詞：中小企業(yè) 信用擔(dān)保 信息不對(duì)釋 本 科 畢 業(yè) 論 文 第 4 頁(yè) 共 18 頁(yè) 4 Abstract With the development of market economy in our country, a large number of small and mediumsized enterprises, and has bee an important part of the national economy for economic growth and employment has played a huge role. But. In the process of the development of