【文章內(nèi)容簡介】 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 bif business loans and small and mediumsized enterprises loan to achieve the balance is the basic yields. 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 enterprises, 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, 4 years in Shenzhen stock exchange medium plate, founded bu 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, enterprise’s equity financing, stock transfer to a valid the overthecounter marker, 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 big development space. (b) From the bank angle If rely on the existing in the 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, 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 附錄 4 biggest soft rib, they could not buy a heap of the house and then prepare for security, it is not realistic to hightdch enterprise, as the core of assets should be their intellectual property righs, the patent righ and one on the market in technology, creative team, is the blood to support its development, as well as several pieces of the mortgaged property, bur all need money to lend, bank, The small and mediumsized enterprises, such an jiangsu cooperatives experiment widely warehouse inventory impawn, through a mortgage loan product, Tianjing coastal rural mercial bank actively carry out enterprise sharehoulding pledge loan., benjing bank recently launched intellectual property as a pledge from the bank for a loan. 2. Credit rating innovating, Big Bnaks do business of time, usually see a balance sheet, an ine statement and a cash flow statement, small and mediumsized enterprises have even thes three tables are not high, the bank information costs, zhejiang tyrone arisen, mercial Banks, they look for innovative water meter, customs declaration form, large, large, reduce cost, still can make small loans to earn enough money. Like Shenzhen development bank, by focusing on their Opponent’s credit transaction, the authenticity of the enterpr