【正文】 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 2021 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。 credit approval from the cycle over the past 2, 3 months, shorten to 3, 5 days now. 4, strengthening the training of personnel. After construction in mechanism to have a group of people to do it, and do it well, it is to strengthen the training of the staff, further strengthen the sme, small business loans and hightech smes job training and the loan of munication, increasing the entire product ramp。s economy could not really low, the key is out of small and mediumsized enterprises vitality can be fully recovered. Second, the sme financing reason analysis Sme loans and financing is a cosmopolitan should say, see, both from China, and 8 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。要正確認識當前形勢，正視風險，樹立靠管理求效益、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。中國銀行四月底推出了信貸工廠。 信用評級創(chuàng)新。在 2021 年開始，我國啟動了非上市 股份公司進入證券公司掛牌交易的試點工作。 如果貸款形成損失，政府用風險補償基金把它補起來，這就使大企業(yè)的貸款和中小企業(yè)的貸款能夠達到比較收益率是基本平衡的。 2 、政府應(yīng)該幫助銀行建立一個信用體系，進一步降低他們的信息成本，在我國，央行從 1998 年起就開始啟動了企業(yè)征信體系建設(shè)，由專門機構(gòu)采集、保存、整理、分析、使用企業(yè)的信用信息，以防范信用風險，保持金融市場穩(wěn)定。而創(chuàng)業(yè)板也是“十年磨一劍”，到現(xiàn)在才呼之欲出。而這種做法對企業(yè)反而是 很不利的，對中小企業(yè)的發(fā)展是不健康的，我們試想一下，如果幾個部門把這些表全拿在一起，那首先這個企業(yè)是不誠信的，他就沒有立足之地了。 1 本 科 生 畢 業(yè) 論 文 外 文 資 料 翻 譯 專 業(yè) 財務(wù) 管理（財務(wù)管理方向） 班 級 姓 名 指導教師 所在學院 管理學院 附 件 。中小企業(yè)普遍誠信意識薄弱，類似的一家企業(yè)幾套報表的現(xiàn)象屢見不鮮，可能在稅務(wù)這邊報表難看一些 , 少交點稅，在銀行這邊可能表好看一些，多貸點款，這樣信息是否真實可靠就成了問題。而自從 2021 年9 月 25 日，中小板市場華昌化工發(fā)行之后，證監(jiān)會便關(guān)閉了 IPO 大門， 近日才重啟新股發(fā)行。對現(xiàn)有五大國有銀行 , 應(yīng)鼓勵其大力發(fā)展自己有利于小企業(yè)融資的專門機構(gòu)，放松其下設(shè)分支機構(gòu)的審批環(huán)節(jié)，鼓勵它們在地、縣，甚至鄉(xiāng)，來提供更接近、更方便的金融服務(wù)。 國家可以幫助企業(yè)貼息，提高銀行風險收益 。但對于更多中小企業(yè)而言還達不到上市的條件，解決這類企業(yè)股權(quán)融資、股份流轉(zhuǎn)需要一個有效的場外市場。 北京銀行新近推出知識產(chǎn)權(quán)作為質(zhì)押從銀行獲得貸款。銀行一方面要降低門檻，另一方面必須簡化程序、減少環(huán)節(jié)，建立高效的審批機制 , 這樣才能適應(yīng)小企業(yè)對信貸資金短、平、快的要求。 6 (三 ) 從企業(yè)角度而言 企業(yè)應(yīng)加強管理、提高素質(zhì)。s livelihood, stable target. In this sense, the international financial crisis under the impact of China39。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.