【文章內(nèi)容簡(jiǎn)介】 系，真正做到貸款行為準(zhǔn)則以效益為中心，步出以企業(yè)規(guī)模、所有制形式作為貸款依據(jù)的誤區(qū)。對(duì)中小企業(yè)合理的資金需求應(yīng)一視同仁，逐步提高中小企業(yè)信貸支持比例。按照國(guó)家的產(chǎn)業(yè)政策確定中小企業(yè)貸款投向，適當(dāng)下放中小企業(yè)流動(dòng)資金貸款審批權(quán)限，修訂企業(yè)信用等級(jí)評(píng)定標(biāo)準(zhǔn)，建立中小企業(yè)貸款的激勵(lì)機(jī)制，為中小企業(yè)營(yíng)造良好的貸款環(huán)境。其次，為中小企業(yè)提供全方位的服務(wù)。銀行對(duì)中小企業(yè)提供的從企業(yè)創(chuàng)辦、生產(chǎn)經(jīng)營(yíng)、貸款回收全過(guò)程的金融服務(wù)，包括投資、項(xiàng)目選擇、融資擔(dān)保、財(cái)務(wù)管理、資金運(yùn)作、市場(chǎng)營(yíng)銷等。全方位的一條龍服務(wù)，將極大地增強(qiáng)了客戶市場(chǎng)競(jìng)爭(zhēng)力，保證了貸款的回收，降低了信貸的風(fēng)險(xiǎn)。再次，主動(dòng)參與中小企業(yè)改制與重組。中小企業(yè)改制與重組是盤活沉淀在中小企業(yè)中的銀行債權(quán)的重要途徑。通過(guò)資產(chǎn)換置及變現(xiàn)，部分銀行貸款得以回收。此外，銀行對(duì)中小企業(yè)改制的同時(shí)培育穩(wěn)定的中小企業(yè)客戶群，實(shí)現(xiàn)銀企“雙贏”。結(jié)論中小企業(yè)不論是在發(fā)達(dá)國(guó)家還是發(fā)展中國(guó)家都是重要的經(jīng)濟(jì)成分，都是國(guó)家經(jīng)濟(jì)發(fā)展中的一支重要力量。在我國(guó)，中小企業(yè)的發(fā)展不僅活躍了中國(guó)特色的市場(chǎng)經(jīng)濟(jì)，也對(duì)我國(guó)總體經(jīng)濟(jì)轉(zhuǎn)型起到了很好的促進(jìn)作用。我國(guó)中小企業(yè)融資難問(wèn)題，是亟待解決的重要問(wèn)題，對(duì)待中小企業(yè)融資困難這一傳統(tǒng)問(wèn)題，我們不應(yīng)當(dāng)拘泥于傳統(tǒng)觀念的束縛，而應(yīng)當(dāng)以現(xiàn)代的觀點(diǎn)去分析它，不僅要從國(guó)家政策的角度加大傾斜力度，而且也要從企業(yè)自身的角度去尋找對(duì)策。借鑒國(guó)內(nèi)、國(guó)外的良好經(jīng)驗(yàn)，根據(jù)具體的實(shí)際情況，拿出可操作的具體措施并加以實(shí)施。這樣，這一傳統(tǒng)問(wèn)題必將會(huì)得到良好的解決，中小企業(yè)必將達(dá)到一個(gè)發(fā)展的新境界，在社會(huì)主義現(xiàn)代化建設(shè)當(dāng)中發(fā)揮越來(lái)越重要的作用。中小企業(yè)作為一個(gè)弱勢(shì)群體，除了采取措施糾正自己的不足以外，還需要政府制定法律方針政策，為其創(chuàng)造一個(gè)良好的外部發(fā)展環(huán)境。中國(guó)作為占世界人口五分之一的發(fā)展中國(guó)家，如何全面建設(shè)小康社會(huì)，實(shí)現(xiàn)即定的第三步戰(zhàn)略目標(biāo)，為人類做出較大貢獻(xiàn)，這是擺在我們面前的戰(zhàn)略任務(wù)。相信只要我們國(guó)家能夠恰當(dāng)、有力的規(guī)范和引導(dǎo)中小企業(yè)的發(fā)展，他們必將對(duì)我國(guó)經(jīng)濟(jì)發(fā)展做出更大的貢獻(xiàn)。我國(guó)的中小企業(yè)一定會(huì)自強(qiáng)不息，實(shí)踐一條有中國(guó)特色的發(fā)展之路。參考文獻(xiàn)[1] [J].(16):8389 [2] [J].中國(guó)商界(下).2009(04):3237[3] 李鑒君,、問(wèn)題及對(duì)策[J].(02):5859[4] [J].(06):4546[5] 、問(wèn)題及建議[J].中國(guó)商界(上半月)．2009(12):1921[6] [J].(下):9697[7] [J].(02):5254 [8] [M].:231237[9] [M].:89[10] 梅強(qiáng),、模式及政策[M].:133134[11] Hemphill, Thomas A. Sovereign wealth funds: National security risks in a global free trade environment. Thunderbird International Business Review 51(6): 551566.[12] Chareles of the impacts of bining carbon taxation and emission trading on different industry policy103(2):6971致謝非常感謝老師在我大學(xué)的畢業(yè)論文階段給自己的指導(dǎo)，無(wú)論是選題，還是查找資料、論文的修改以及格式的調(diào)整，王老師都在繁忙的工作中抽出時(shí)間給予了悉心的指導(dǎo)。在此，謹(jǐn)向?qū)煴硎境绺叩木匆夂椭孕牡母兄x！同時(shí)，感謝所有任課老師和同學(xué)在這四年來(lái)給自己的指導(dǎo)和幫助，是他們教會(huì)了我專業(yè)知識(shí)，教會(huì)了我如何學(xué)習(xí)，教會(huì)了我如何做人。正是由于他們，我才能在各方面取得顯著的進(jìn)步。在此向他們表示我由衷的謝意，并祝所有的老師培養(yǎng)出越來(lái)越多的優(yōu)秀人才，桃李滿天下！請(qǐng)刪除以下內(nèi)容，O(∩_∩)O謝謝！??！ The term autism refers to a cluster of conditions appearing early in childhood. All involve severe impairments in social interaction, munication, imaginative abilities, and rigid, repetitive behaviors. To be considered an autistic disorder, some of these impairments must be manifest before the age of three. The reference book used by mental health professionals to diagnose mental disorders is the Diagnostic and Statistical Manual of Mental Disorders , also known as the DSM. The 2000 edition of this reference book (the Fourth Edition Text Revision known as DSMIVTR ) places autism in a category called pervasive developmental disorders . All of these disorders are characterized by ongoing problems with mutual social interaction and munication, or the presence of strange, repetitive behaviors,interests, and activities. People diagnosed with these disorders are affected in many ways for their entire lives. Description Each child diagnosed with an autistic disorder differs from every other, and so general descriptions of autistic behavior and characteristics do not apply equally to every child. Still, the mon impairments in social interaction, munication and imagination, and rigid, repetitive behaviors make it possible to recognize children with these disorders, as they differ markedly from healthy children in many ways. Many parents of autistic children sense that something is not quite right even when their children are infants. The infants may have feeding problems, dislike being changed or bathed, or fuss over any change in routine. They may hold their bodies rigid, making it difficult for parents to cuddle them. Or, they may fail to anticipate being lifted, lying passively while the parent reaches for them, rather than holding their arms up in return. Most parents of autistic children bee aware of the strangeness of these and other behaviors only gradually. Impairments in social interaction are usually among the earliest symptoms to develop. The most mon social impairment is a kind of indifference to other people, or aloofness, even towards parents and close caregivers. The baby may fail to respond to his or her name being called and may show very little facial expression unless extremely angry, upset, or happy. Babies with autism may resist being touched, and appear to be lost in their own world, far from human interaction. Between seven and 10 months of age, most infants often resist being separated from a parent or wellknown caregiver, but these infants may show no disturbance when picked up by a stranger. Other children with autism may be very passive, although less resistant to efforts by others to interact. However, they do not initiate social interaction themselves. Still others may attempt to engage with adults and peers, but in ways that strike others as inappropriate, or odd. In adolescence and adulthood, some of the higherfunctioning individuals with autistic disorders may appear overly formal and polite. They may react with little spontaneity, as if social interaction doesn39。t e naturally or easily to them, and so they are trying to follow a predetermined set of rules. Some individuals with autism have normal intelligence, and many have special talents in areas such as music or memory. However, individuals with autism may have other mental or emotional problems that coexist with their autism. Some of these other disorders may include impulse control disorders