【文章內(nèi)容簡(jiǎn)介】 e. 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, township, even closer to provide financial services and more convenient. 2, the government should help Banks to establish a credit system, further reducing their information cost, in our country, the central bank since 1998 enterprise credit system construction was started by the specialized agencies, collection and storage, sorting, analysis, and use of enterprise credit information, to guard against credit risks, maintain stable financial markets. In 2020, the central bank and small and mediumsized enterprise credit system to establish the credit system, hope to cover those and financial institutions have no credit relations of small and mediumsized enterprises. Of course, the credit system is not only by the government, and now have some work pany, for example, try to use in online transaction information into small and mediumsized enterprise credit index, the index of credit, if out of the bank to further reduce the cost of information. 3, the government should various of bank risk pensation, the local interest risk 10 pensation mechanism and policy, just pensation fund is to solve the sme financing way, and cannot be fundamentally solved. As to the end, fujian province of bad loans is small loans %, but the average level of banking, is a two percent, while a few risk pensation, just to percent, only a small part. So many of bank risk pensation. As all of the loans to small and mediumsized enterprises, then according to the bank loans, reduce its tax, business tax, ine tax reduction, Countries can help enterprises to improve bank interest, risk and return, If the loan losses, the government formed by risk pensation fund to patch up it, this makes big business loans and small and mediumsized enterprise loan to achieve the balance is the basic yields. 4, the government should actively promote the multilevel capital market system, in order to better satisfy all kinds of small and mediumsized enterprises include the financing needs of enterprise. Different types of small and mediumsized enterprises, the development stage is endless and same, determines the sme financing needs is not the same. So small and mediumsized enterprise groups of differentiation determines the diversified financing needs, then satisfy sme financing demand also needs the various forms of financing mode, such as bank loans, bonds, equity financing, etc. 2 0 0 to 4 years in shenzhen stock exchange medium plate, founded by promoting capital, technology, management, and the effective factors of high quality as cultivating board, also to promote the upgrading of industrial structure is playing a positive role. In October 2020, gem officially launched. Founded board will provide for independent innovation, promoting effective supervision mechanism of small and mediumsized enterprises in the new development stage. But for more than for small and mediumsized enterprises are listed to solve this kind of condition, enterprise39。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 11 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, innovation, and security collateral product innovation so as to change the status of financing for smes. 1， guarantee mortgage innovation. Collateral shortage is small and mediumsized enterprise biggest soft rib, they could not buy a heap of the house and then prepare for security, it is not realistic to hightech enterprise, as the core of assets should be their intellectual property rights, the patent right and one on the market in technology, creative team, is the most important asset, can make their annual growth, but the capital like the blood to support its development, as well as several pieces of the mortgaged property, but all need money to lend, bank. The small and mediumsized Banks are many provinces in the face of financial innovation of small and mediumsized enterprises, such as jiangsu cooperatives experiment widely warehouse inventory impawn, through a mortgage loan product, Tianjin coastal rural mercial bank actively carry out enterprise shareholding pledge loan, Beijing bank recently launched intellectual property as a pledge from the bank for a loan. 2， credit rating innovation. Big Banks do business of time, usually see a balance sheet, an ine statement and a cash flow statement, small and mediumsized enterprises have even these three tables are not high, the bank information costs, zhejiang tyrone arisen, mercial Banks, they look for innovative water meter, customs declaration form, large, reduce cost, still can make small loans to earn enough money. Like shenzhen development bank, by focusing on their opponent39。s credit transaction, the authenticity of the enterprise, choose a new