【導讀】50％，提供了70％的進出口貿(mào)易和80％的城鎮(zhèn)就業(yè)崗位。中小企業(yè)在我國的自主。和形成新的產(chǎn)業(yè)的重要的力量。松的貨幣政策,但很大一部分中小企業(yè)到如今都沒有從這些政策當中直接受益,目前企業(yè)融資困難、貸款困難已成為制約中小企業(yè)發(fā)展的重要因素,中。者倒閉的大約占7.5％，城鎮(zhèn)就業(yè)更加困難，這個狀況不僅影響我國經(jīng)濟的復蘇，而且直接影響保增長、保民生、保穩(wěn)定的發(fā)展目標。從這個意義上說，國際金融。企業(yè)自身的問題,中小企業(yè)一般規(guī)模小，實力弱，它的信譽不是太高。而這種做法對企業(yè)反而是很不利的，對中小企業(yè)的發(fā)展。市場競爭的激烈也增加,這些都不利于中小企業(yè)的發(fā)展壯大。它也考慮自身的風險，自身的利潤。到2020年末，小企業(yè)不良貸款率是%，力，因此也不愿意向中小企業(yè)發(fā)放貸款。因此需要多方面的對銀行進行風險補償。09年10月，創(chuàng)業(yè)板正式啟動。達不到上市的條件，解決這類企業(yè)股權(quán)融資、股份流轉(zhuǎn)需要一個有效的場外市場。

　　

【正文】 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 way of enterprise39。s credit rating. For enterprises in the credit rating method for enterprise itself, the credit rating weight only 15%, pay more attention to the authenticity of the trading counterparty and. Most enterprises are in the supply chain of trade, survive, it must have upstream and downstream of the raw material supply semifinished products or services or transportation or logistics management in this process, so as to retrieve the enterprise credit record, these things can be easier to choose good credit are true of the enterprise, trade background to provide enough good service, mobilize various financial tools, in the process of enterprise development, ShenFaZhan also created the profits. 3, business process innovation. Our country mercial bank, the bank is mostly official in the house, wait for a loan to customers approval for a month, three months, such a kind of management, such an examination result is impossible to small and mediumsized enterprise financial services, it is impossible to improve the financing difficulties of small and mediumsized enterprises. Banks to reduce threshold, the other is to simplify the process, reduce link, establish examination mechanism, so as to adapt to the credit fund is short and small, fast. The bank of China on April introduced credit factory. The bank is a factory, small and mediumsized enterprises is raw material, into the line after the marketing, sales, and service, with approval, and customer maintenance and postloan management, obtain loans. But Banks are not a person from beginning to end, but plete all seven groups, each worker sent a link on guard line and batch production. Through the way of examination and approval procedures simplified. Through this process to make sure that the smes39。 credit approval from the cycle over the past 2, 3 months, shorten to 3, 5 days now. 4, strengthening the training of personnel. After construction in mechanism to have a group of people to do it, and do it well, it is to strengthen the training of the staff, further strengthen the sme, small business loans and hightech smes job training and the loan of munication, increasing the entire product ramp。d efforts, with the strain of new incentive and restraint measures to cultivate a professional team and the new service. (c) from the Angle of enterprises 1, enterprises should strengthen management, improve quality. To correctly understand the situation, face, establish the risk by management effectiveness and development idea, must pay more attention to technical innovation, technological innovation, pay attention to the new product development, improve quality and brand construction and development of new products, improve the product quality improvement, and win the market. Reducing energy consumption, to increase, increasing earnings. Increasing market development ability, reduce products, accounts receivable two nbre, accelerate the capital turnover. Through the development way, not only by the expansion of production, but improve the quality of the industrial sector realize rapid growth. 2, the enterprises should strengthen the construction of credit system, establish the standard of management system, establish the transparent reliable financial statements, the accumulation of enterprise credit system. To sum up, the sme financing is a global problem, but also a systematic engineering, which requires concerted effort, also needs the medium and smallsized enterprises management, this thing whether it advances the way how difficult, as long as we joint effort, to break the financing difficulties of small and mediumsized enterprises contribute their wisdom and strength, change the idea, bold innovation, finding solutions to sme financing in the right way, then we will be on a road more walk more broad prospects, we would also more and more beautiful.