【正文】 綜上所述，中小企業(yè)的融資是一個全球性的難題，也是一項系統(tǒng)工程，需要各方面的共同努力，也需要中小企業(yè)自身的管理進步，這件事情不關(guān)它的前進道路上有多大的困難，只要我們大家共同努力，為破解中小企業(yè)的融資難題貢獻自己的智慧和力量，轉(zhuǎn)變觀念， 進行大膽創(chuàng)新，找到解決中小企業(yè)融資難的正確途徑，那 么在這一條道路上面我們就會越走越寬廣，我們的前景也會越來越美好。努 力節(jié)能降耗、降本增效、增收節(jié)支。 加強人員培訓。就是把銀行當做工廠，中小企業(yè)是原材料，進入流水線后經(jīng)過營銷、銷售、業(yè)務(wù)中報、審批、支用、客戶維護和貸后管理，獲得貸款。大部分企業(yè)都是在貿(mào)易鏈中，在供應(yīng)鏈中生存的，它一定有上有的原材料供應(yīng)和下游的產(chǎn)品或者是半成品的服務(wù)或者是運輸或者是物流的管理，那么在這個過程當中都能檢索到企業(yè)的信用記錄，用這些東西就可以比較容易的選擇到好的中心用的有真實貿(mào)易背景的這些企業(yè)，向其提供足夠好的服務(wù)，調(diào)動各種各樣的金融工具，在企業(yè)發(fā)展的過程中，既發(fā)展也創(chuàng)造了利潤。 信用評級創(chuàng)新。目前銀行業(yè)正在通過組織架構(gòu)創(chuàng)新，風險管 理技術(shù)創(chuàng)新，擔保抵押創(chuàng)新，和產(chǎn)品長信等多種途徑改變中小企業(yè)融資難的現(xiàn)狀。但對于更多中小企業(yè)而言還打不到上市的條件，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。 政府應(yīng)該積極推進多層次資本市場體系建設(shè)，以更好的滿足包括中小企業(yè)在內(nèi)的各類企業(yè)的融資需求。 3 、 政府應(yīng)該多方面的對銀行進行風險補償，目前各地出臺的利益補償機制和風險補償基金政策，僅僅是解決中小企業(yè)融資難的一種辦法，并不能從根本上解決。對現(xiàn)在五大國有銀行，應(yīng)鼓勵其大力發(fā)展自己有利于小企業(yè)融資的專門機構(gòu)，放松其下設(shè)分支機構(gòu)的審批環(huán)節(jié)，鼓勵它們在地、縣、甚至鄉(xiāng)，來提供更接近、更方便的金融服務(wù)。在海外，中小企業(yè)成長過程中的融資不僅僅依靠銀行的貸款 ，很多時候是獲得風險投資或者創(chuàng)投的幫助，然而我國的中小企業(yè)在成長中，基本無法獲得這樣的融資，深圳擁有 3000 家創(chuàng)投公司，注冊資金達 6000 億，但沒有公司愿意投資個創(chuàng)業(yè)初期的企業(yè)。第三個，中小企業(yè)融資渠道太窄，中小企業(yè)在資本市場上直接融資的途徑有證券市場、包括中小板和創(chuàng)業(yè)板；還有私募股權(quán)基金、產(chǎn)業(yè)投資基金、創(chuàng)業(yè)投資基金、風險投資基金，以及債券市場等等。第二個，從銀行方面來看，對于中小企業(yè)的貸款條件更加嚴格，因為我們的銀行大部分是商業(yè)銀行，它也考慮自身的風險，自身的利潤。 二、中小企業(yè)融資難原因分析 中小企業(yè)融資難，貸款難應(yīng)該說也是一個世界性的難題，從我國看，既有體制機制問題，也有中小企業(yè)自身的問題，主要有三個方面的原因：第一個，中小企業(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。中小企業(yè)同樣是我們國家自主創(chuàng)新的一個重要力量， 66%的發(fā)明專利， 82%餓新產(chǎn)品開發(fā)都來自于中小企業(yè)，中小企業(yè)已經(jīng)成為繁榮經(jīng)濟、擴大就業(yè)、調(diào)整產(chǎn)業(yè)結(jié)構(gòu)、推動創(chuàng)新和形成新的產(chǎn)業(yè)的重要的力量。附錄 1 附錄 Sme financing problems related to the analysis First, small and mediumsized enterprises financing status Reform and opening up, china for 30 years of small and mediumsized enterprises obtained a rapid development of enterprises, 99% of the small and mediumsized enterprises of our country more than 60% GDP contribution, tax over 50%, provides 70% of import and export trade and 80% of urban jobs. Small and mediumsized enterprises in our country is also an important power of independent innovation, 66% of invention patent , 82% of new product development of small and mediumsized enterprises ,from small and mediumsized enterprises has bee the economic prosperity , expanding employment , adjusting structure, promote innovation and new industries of important strength. From 80 years since the outbreak of the international financial crisis, the implementation of the positive fiscal policy and loser moary policy , but no small and mediumsized enterprises from the proactive fiscal policy and moderate looser moary policy benefit directly , for instance, of the new 2020 225 million small loan only more than previous year , but rose % only the loans increased %, 09 year three months of national credit increased 48 trillion , including loans to small and mediumsized enterprises increased amount only less than 5% .Current , loan financing difficult has bee the bottleneck of restricting the development of small and mediumsized enterprises and small and mediumsized enterprise production and management faced difficulties, according to the state statistical bureau of statistics and letter until the and of 2020 in the small and mediumsized enterprises of production or collapse closed accounts for about %,the urban employment, this situation is not only more difficult economic recovery, influence and directly affect the growth and development of people’s livelihood ,stable target .In this sense ,the international financial crisis under the impact of China’s economy could not really low, the key is out of small and mediumsized enterprises vitality can be fully recovered. Second, the sme financing reason analysis Sme loans and financing is a cosmopolitan should say, see, both from China, and mechanism of medium and small and mediumsized enterprises, there are three main reasons: first, the medium and small and mediumsized enterprises, small and mediumsized enterprises generally weak awareness of honesty, similar to a few of the mon phenomenon, may report on tax on some, less ugly statements in Banks, this intersection, some may form goodlooking, such loans point is reliable became a problem. But this approach is very adverse in