【文章內(nèi)容簡(jiǎn)介】 地下金融浮出水面，降低中小企業(yè)融資成本。，拓寬融資渠道要化解銀行與中小企業(yè)之間的矛盾，一方面銀行可以通過(guò)制定鼓勵(lì)、適應(yīng)中小企業(yè)融資業(yè)務(wù)發(fā)展的績(jī)效考核辦法，充分調(diào)動(dòng)金融從業(yè)人員的積極性，推動(dòng)中小企業(yè)貸款業(yè)務(wù)的開(kāi)展；在業(yè)務(wù)流程再造中，針對(duì)中小企業(yè)的貸款業(yè)務(wù)流程和風(fēng)險(xiǎn)控制方法，用簡(jiǎn)便的程序、有效的風(fēng)險(xiǎn)防范措施和較低的業(yè)務(wù)成本，實(shí)現(xiàn)對(duì)中小企業(yè)的貸款支持，并結(jié)合中小企業(yè)業(yè)務(wù)特點(diǎn)，大力發(fā)展保理、融資租賃等新興金融產(chǎn)品業(yè)務(wù)，豐富中小企業(yè)的融資方式。陳崢嶸[18]陳崢嶸，中小企業(yè)板不同于創(chuàng)業(yè)板三大區(qū)別，載《證券時(shí)報(bào)》，2004年6月3日18]認(rèn)為，可以效仿發(fā)達(dá)國(guó)家做法，建立一個(gè)多層次、多功能，能夠?yàn)閺V大中小企業(yè)融資提供服務(wù)的資本市場(chǎng)。如大力支持發(fā)展二板市場(chǎng)融資。由于中小企業(yè)自身的局限性，難以到主板市場(chǎng)融資，積極發(fā)展二板市場(chǎng)，降低準(zhǔn)入門(mén)檻，推動(dòng)技術(shù)含量稿、經(jīng)濟(jì)效益好、發(fā)展?jié)摿Υ蟮闹行∑髽I(yè)進(jìn)入融資市場(chǎng)。還有就是建立區(qū)域性的產(chǎn)權(quán)柜臺(tái)交易市場(chǎng)，在更大層面上解決中小企業(yè)融資難的問(wèn)題。最后逐步開(kāi)放債券發(fā)行市場(chǎng)，允許經(jīng)濟(jì)效益良好和商業(yè)信譽(yù)優(yōu)良的中小企業(yè)發(fā)行企業(yè)債券。中小企業(yè)涉及的行業(yè)十分廣泛，經(jīng)營(yíng)模式也千差萬(wàn)別，不同類型的企業(yè)對(duì)金融服務(wù)產(chǎn)品的需求存在著較大差異，僅僅依靠傳統(tǒng)的金融服務(wù)產(chǎn)品及服務(wù)模式已經(jīng)不能滿足眾多中小企業(yè)的融資需求。因此，要解決中小企業(yè)融資難的問(wèn)題，金融機(jī)構(gòu)必須在創(chuàng)新金融服務(wù)產(chǎn)品上狠下工夫。銀行部門(mén)可以根據(jù)不同行業(yè)、不同發(fā)展階段的中小企業(yè)的金融需求，開(kāi)發(fā)出與之相適合的金融服務(wù)產(chǎn)品，對(duì)融資期限、還款方式、擔(dān)保條件等要素進(jìn)行改造，提高產(chǎn)品的適應(yīng)性。只有這樣，銀行部門(mén)才能不斷地為中小企業(yè)量身定做適用的金融服務(wù)產(chǎn)品，才能最大限度地滿足中小企業(yè)的融資需求。結(jié) 論進(jìn)入21世紀(jì)后，中小企業(yè)即面臨著前所未有的發(fā)展機(jī)遇，也面臨著嚴(yán)峻的挑戰(zhàn)。盡管中小企業(yè)的融資難題已經(jīng)引起世界各國(guó)的廣泛關(guān)注，也提出了很多的解決方法，但是，畢竟造成中小企業(yè)融資難的原因是多方面的，因此，解決這個(gè)問(wèn)題也必須從多方面入手。既要通過(guò)政府來(lái)調(diào)整法律法規(guī)，改善中小企業(yè)融資的宏觀環(huán)境，又要通過(guò)銀行等金融機(jī)構(gòu)來(lái)調(diào)整貸款政策，放松對(duì)中小企業(yè)融資的限制條件，更重要的是中小企業(yè)應(yīng)提高自身信用等級(jí)，樹(shù)立良好的企業(yè)形象，充分發(fā)揮企業(yè)的的主觀能動(dòng)性，依靠自身力量，與銀行建立長(zhǎng)期的銀企關(guān)系。內(nèi)外聯(lián)動(dòng)，共同努力，相信中小企業(yè)融資困難會(huì)逐步得到解決。致 謝當(dāng)我以學(xué)子的身份踏入學(xué)院校門(mén)的那天起，便已注定我將在這里度人生中最美麗的青春年華。提筆寫(xiě)下“謝辭”，才驚覺(jué)自己即將真正離開(kāi)，人生亦從此展開(kāi)新的畫(huà)卷。盡管不舍，卻更珍惜，因?yàn)槲业纳杏心敲炊嗫蓯?ài)的人值得感激。他們我的大學(xué)生活充滿了色彩，無(wú)論收獲、遺憾，對(duì)我來(lái)說(shuō)都是一筆寶貴的財(cái)富。在此論文完成之際，謹(jǐn)向我尊敬的老師們致以誠(chéng)摯的謝意和崇高的敬意。在學(xué)業(yè)的階段，老師都將他們的知識(shí)、經(jīng)驗(yàn)心得毫無(wú)保留的傳授給我們，給我們耐心的指導(dǎo)，并給我搭建了良好的學(xué)習(xí)平臺(tái)。另外，向在工作之余還要抽出時(shí)間對(duì)我的論文進(jìn)行評(píng)閱及考核并提出寶貴意見(jiàn)的老師最衷心的感謝！參 考 文 獻(xiàn)[1] [F].中國(guó)財(cái)政經(jīng)濟(jì)出版社,2010(14) [2] 唐達(dá)．中小企業(yè)融資困境及對(duì)策[J].當(dāng)代經(jīng)濟(jì)，2008(12)[3] [J].金融研究,2001(5)[4] [J].經(jīng)濟(jì)理論與經(jīng)濟(jì)管理,2004(9)[5] [J].經(jīng)濟(jì)研究,2002(6)[6] 孫麗華，[J]．北方經(jīng)濟(jì)，2005(14)[7] 胡授虎．國(guó)外中小企業(yè)政策比較及政策借鑒[J].商業(yè)研究,2005(5)[8] [J].現(xiàn)代企業(yè)，2005（07）[9] 王屹，“瓶頸”問(wèn)題及對(duì)策研究[J].上海大學(xué)學(xué)報(bào)，2002（3）[10] [J].經(jīng)濟(jì)師，2005（2）[11] [J].合作經(jīng)濟(jì)與科技,2007(1)[12] 凌智勇，[J].財(cái)經(jīng)理論與實(shí)踐，2002（7）[13] [J].當(dāng)代經(jīng)濟(jì)研究,2002（4）[14] [J].中央財(cái)經(jīng)大學(xué)學(xué)報(bào)，2002（8）[15] 張靜，[J].現(xiàn)代經(jīng)濟(jì)探討，2002（1）[16] [J].財(cái)經(jīng)科學(xué)，2002（3）[17] [J].南方金融,2007（4）[18] [J].財(cái)經(jīng)理論與實(shí)踐，2002（7）[19] [J].前沿，2002（2）[20] 楊令芝,、問(wèn)題與創(chuàng)新[J].特區(qū)經(jīng)濟(jì)，2007（4）為你提供優(yōu)秀的畢業(yè)論文參考資料，請(qǐng)您刪除以下內(nèi)容，O(∩_∩)O謝謝?。?！2 Many people have the same mixed feelings when planning a trip during Golden Week. With heaps of time, the sevenday Chinese為你提供優(yōu)秀的畢業(yè)論文設(shè)計(jì)參考資料，請(qǐng)您刪除一下內(nèi)容，O(∩_∩)O謝謝?。。ational Day holiday could be the best occasion to enjoy a destination. However, it can also be the easiest way to ruin how you feel about a place and you may bee more fatigued after the holiday, due to battling the large crowds. During peak season, a dream about a place can turn to nightmare without careful planning, especially if you travel with children and older people. As most Chinese people will take the holiday to visit domestic tourist destinations, crowds and busy traffic are inevitable at most places. Also to be expected are increasing transport and acmodation prices, with the possibility that there will be no rooms available. It is also mon that you39。llwait in the line for one hour to get a ticket, and another two hours at the site, to only see a tiny bit of the place due to the crowds. Last year, 428 million tourists traveled in China over the weeklong holiday in October. Traveling during this period is a matter that needs thorough preparation. If you are short on time to plan the uping Golden Week it may not be a bad idea to avoid some of the most crowded places for now. There is always a place so fascinating that everyone yearns for. Arxan is a place like this. The beauty of Arxan is everlasting regardless of the changing of four seasons. Bestowed by nature, its spectacular seasonal landscape and mountains are just beyond word. Arxan is a crucial destination for the remended travelling route, China Inner Mongolia Arxan — Hailar — Manzhouli. It is also the joint of the four prairies across the SinoMongolian border, where people gravitate towards the exotic atmosphere mixed with Chinese, Russian, and Mongolia elements. As a historic site for the Yitian Battle, Arxan still embodies the spirit of Genghis Khan. Walking into Arxan, you will be amazed by a kaleidoscope of gorgeous colors all the year round the Spring azaleas blooming red in the snow, the Summer sea wavering blue in the breeze, the Autumn leaves painted in yellow covering volcanic traces, and the Winter woods shining white on the vast alpine snowscape. Hinggan League Arxan city is situated in the far eastern area of Inner Mongolia Autonomous Region. Its full name Haren Arxan means hot holy water in the Mongolian language. Arxan is a tourism city in the northern frontier with a blend of large forest, grand prairies, vast snowfield, heaven lake cluster, thermium, as well as volcanic cluster. It is a rare and unique ecotourism base filled with healthy sunshine, clean air and unspoiled green. Nestled close to the country39。s largest virgin forest, and known for its spring and ecological environment, Arxan is marveled at by many tourists as the purest land on earth. You cannot miss out the Autumn of Arxan. It is definitely the best with brightlyc