【正文】 rtoriented smes 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 2021, 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。 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)自身的管理進步，這件事情不管它的前進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) 的融資難題貢獻自己的智慧和力量，轉變觀念，進行大膽創(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 。 業(yè)務流程創(chuàng)新。 09 年 10 月，創(chuàng)業(yè)板正式啟動。 三、中小企業(yè)融資難解決之道 ( 一 ) 從政府角度而言 政府應該放松管制，降低市場準入壁壘，讓更多的小銀行，以服務中小企業(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。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，關鍵是廣大中小企業(yè)的活力能否得到完全恢復。第二個，從銀行方 3 面來看，對于中小企業(yè)的貸款條件更加嚴格，因為我們的銀行大部分是商業(yè)銀行，它也考慮自身的風險，自身的利潤。當然，信用體系也不是只靠政府，現(xiàn)在有一些網(wǎng)絡公司，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，這個信用指標如果出來了以后，可以進一步降低銀行的信息成本。 ( 二 ) 從銀行角度而言 如果依靠我國銀行業(yè)的現(xiàn)有金融產(chǎn)品和對中小企業(yè)貸款的相關規(guī)定，要想解決中小企業(yè)融資難問題是不可能的，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。而銀行也不是一個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環(huán)節(jié)，批量生產(chǎn)。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, 2021, 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 in service for the strategic positioning of those small Banks to bitter fleabane bitter fleabane. Dynamic development Now China is probably more than a hundred villages and towns of the bank, bank established to improve the bottleneck of the economic investment county, including improving agriculture development of small and mediumsized enterprises and support will play a very important role. For existing five stateowned Banks, should be encouraged to develop their own businesses for the financing of the specialized agencies, relax its has branches and encourage them in the land, and county,