【正文】 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. To sum up, the small and medium enterprises 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 small and medium enterprises financing in the right way, then we will be on a road more walk more broad prospects, we would also more and more beautiful. 。s not too much credit. Small and mediumsized enterprises generally weak awareness of honesty, similar to a few of the mon phenomenon, may report on tax on some, less ugly stateme nts in Banks, this intersection, some may form goodlooking, such loans point is reliable became a problem. But this approach is very adverse instead of enterprises, the development of small and mediumsized enterprises are not healthy, we imagine, if several departments with all these together, the first this enterprise is not sincere, he will have a foothold. We manufacture and exportoriented small and medium enterprises in human resources, technology, capital, market environment faced financial crisis, there was a huge pressure, the development of it is the root cause of the scientific and technological content of the enterprise, the innovation ability of high enough to enter the market is weak, the low threshold, the fierce petition in the market will increase, these are not good for the development of small and mediumsized enterprises. Second, from the bank, for small and mediumsized enterprise credit conditions stricter, because we are most Banks, it is also considered mercial bank, the risk of their own profits. To the end of 2020, the small bad loans is higher than that of the entire banking industry relies low percentage of stateowned enterprises, like a big problem, once, countries will still e mamp。努力節(jié)能降耗、降本增效、增收節(jié)支。就是把銀行當(dāng)作工廠，中小企業(yè)是原材料，進(jìn)入流水線后經(jīng)過(guò)營(yíng)銷、銷售、業(yè)務(wù)申報(bào)、審批、支用、客戶維護(hù)和貸后管理，獲得貸款。大銀行做業(yè)務(wù)的時(shí)候，通?？促Y產(chǎn)負(fù)債表、損益表、現(xiàn)金流量表，中小企業(yè)有的連這三表都沒(méi)有，銀行信息成本很高，導(dǎo)致惜貸 , 浙江泰隆商業(yè)銀行進(jìn)行創(chuàng)新 , 他們就看水表、電表、海關(guān)報(bào)關(guān)表，大量降低成本，使得小額貸款還能夠有錢可賺。此外政府應(yīng)大力推動(dòng)債券市場(chǎng)的發(fā)展，為中小企業(yè)債券融資提供更多的便利，在發(fā)達(dá)市場(chǎng)國(guó)家，債券融資是企業(yè)主要的融資方式，以美國(guó)為例， 2020 年，美國(guó)的公司債券發(fā)行額是同期股票發(fā)行額的 5 倍，與美國(guó)、歐洲等國(guó)家和地區(qū)相比，我國(guó)債券市場(chǎng)還有很大拓展的空間。 4 、政府應(yīng)該積極推進(jìn)多層次資本市場(chǎng)體系建設(shè) , 以更好的滿足包括中小企業(yè)在內(nèi)的各類企業(yè)的融資需求。2020 年開始，央行又著手建立中小企業(yè)信用體系，希望把征信體系覆蓋到 那些 和金融機(jī)構(gòu)沒(méi)有信貸關(guān)系的中小企業(yè)。盡管符合創(chuàng)業(yè)板上市條件的中小企業(yè)不少，但真正能夠上 市融資，對(duì)于很多企業(yè)來(lái)說(shuō)，仍然是一種奢望。我們的制造型和外向型中小企業(yè)在人才、技術(shù)、資金、市場(chǎng)環(huán)境等方面面對(duì)著金融危機(jī)，存在著巨大的發(fā)展壓力，它的根本原因是企業(yè)的科技含量不夠高，創(chuàng)新的能力比較弱，進(jìn)入市場(chǎng)的門檻比較低，市場(chǎng)競(jìng)爭(zhēng)的激烈也增加 , 這些都不利于中小企業(yè)的發(fā)展壯大。 中小企業(yè)融資難問(wèn)題分析 一、中小企業(yè)融資難現(xiàn)狀 改革開放 30 年來(lái)，我國(guó)的中小企業(yè)得到了迅速的發(fā)展，占企業(yè)總數(shù) 99％的中小企業(yè)對(duì)我們國(guó)家 GDP 貢獻(xiàn)超過(guò)了 60％，稅收超過(guò)了 50％，提供了 70％的進(jìn)出口貿(mào)易和 80％的城鎮(zhèn)就業(yè)崗位。而這種做法對(duì)企業(yè)反而是很不利的，對(duì)中小企業(yè)的發(fā)展是不健康的，我們?cè)囅胍幌?，如果幾個(gè)部門把這些表全拿在一起，那首先這個(gè)企業(yè)是不誠(chéng)信的，他就沒(méi)有立足之地了。而創(chuàng)業(yè)板也是“十年磨一劍”，到現(xiàn)在才呼之欲出。 2 、政府應(yīng)該幫助銀行建立一個(gè)信用體系，進(jìn)一步降低他們的信息成本，在我國(guó)，央行從 1998 年起就開始啟動(dòng)了企業(yè)征信體系建設(shè)，由專門機(jī)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(fēng)險(xiǎn)，保持金融市場(chǎng)穩(wěn)定。 如果貸款形成損失，政府用風(fēng)險(xiǎn)補(bǔ)償基金把它補(bǔ)起來(lái)，這就使大企業(yè)的貸款和中小企業(yè)的貸款能夠達(dá)到比較收益率是基本平衡的。在 2020 年開始，我國(guó)啟動(dòng)了非上市股份公司進(jìn)入證券公司掛牌交易的試點(diǎn)工作。 信用評(píng)級(jí)創(chuàng)新。中國(guó)銀行四月底推出了信貸工廠。要正確認(rèn)識(shí)當(dāng)前形勢(shì)，正視風(fēng)險(xiǎn)，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(jìn)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(chǎng)。s economy could not really low, the key is out of small and mediumsized enterprises vitality can be fully recovered. Second, the small and medium enterprises financing reason analysis Small and medium enterprises loans and financing is a cosmopolitan should say, see, both from China, and 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, it