【正文】 s figure of 61 percent. SMEs plan to expand their businesses anically 23 One firm indicator of business success is the willingness of an anisation to take on additional labour costs. Almost half, or 47 percent, of Chinese SMEs indicated they would increase workforce by up to or over 10 percent in 2020, pared to 35 percent in 2020. Although SMEs may have difficulty in attracting top talent, advantages, such as system flexibility and development potential allow them to offer incentives patible with their own anisational structures. There are obstacles to getting off the ground SMEs are encountering more problems with starting their businesses than growing their business. Of the Chinese SMEs surveyed, 70 percent believe they have encountered financing problems, with 49 percent indicating bureaucracy and red tape in processing applications as the problem most monly encountered. Noheless, 2020 may turn out to be a promising year for Chinese SMEs as results show that much fewer SMEs are encountering financing problems. Close to a third (30 percent) of respondents indicated no problems encountered in financing their business, as pared to only 17 percent in 2020. The grass is greener on the other side of the border Chinese SMEs seem eager to explore business opportunities beyond their native borders. Almost half, or 46 percent, of Chinese SMEs surveyed felt that market growth, growing business into other regions/overseas market/overseas resources was the type of business opportunity they would be most willing to explore. Given the changes in the financial services sector, perceived sector opportunities are shifting With the impact of the global economic crisis on the financial services sector, many businesses, including Chinese SMEs are looking to other sectors when searching for new opportunities. When asked which industries would bee key economic pillars for China over the next three to five years, SMEs listed building and 24 construction (34 percent), IT (28 percent), and manufacturing (25 percent) as their top three. This is in line with recent global statistics, including an estimate by the World Bank, that approximately half of the world39。s survey felt the need to change their supply chain practices in order to increase their anisation39。s ABM was a deep respect for innovative thinking within the anisation. Innovation was listed by 90 percent of Chinese SMEs as the most important factor in contributing to their petitiveness. However, they also recognised it as an area for improvement, since 68 percent of Chinese SMEs indicated innovation as something their anisation lacked. In view of the world economy39。s strong performance in Asia and export volume growth of 40 percent in China in the first two quarters of 2020. Findings from UPS ABM 2020 reaffirmed the petitive edge of Chinese SMEs, with 78 percent of SMEs in Asia Pacific rating Chinese SMEs as much more petitive or more petitive than SMEs in their own countries. Regarding Chinese SMEs39。 原文 UPS ABM 2020 Survey Reveals Chinese SMEs are Focusing their Business Growth in the Asia Pacific Beijing, September 20, 2020 UPS today announced the results of its UPS Asia Business Monitor (UPS ABM) 2020. A main finding of the report indicated a renewed confidence in economic growth in the Asia Pacific and that most Chinese SMEs choose to conduct the majority of their business within the region. Results revealed that 78 percent of Chinese SMEs currently conduct their business within Asia Pacific versus 6 percent with the . and 10 percent with Europe. Additionally, over 70 percent of Chinese SMEs showed their extended faith in the region39。 考慮到金融服務(wù)業(yè)發(fā)生的變化，中小企業(yè)眼中的行業(yè)機(jī)遇正在轉(zhuǎn)變 全球經(jīng)濟(jì)危機(jī)給金融服務(wù)業(yè)帶來了重大沖擊，包括中國(guó)中小企業(yè)在內(nèi)的眾多企業(yè)，在尋找新機(jī)遇的過程中也在觀望其他產(chǎn)業(yè)。調(diào)查結(jié)果表明，整體而言出現(xiàn)融資問題的中小企業(yè)數(shù)量大幅下降。雖然中小企業(yè)在吸引優(yōu)等人才方面可能存在困難，但系統(tǒng)靈活性和發(fā)展?jié)摿Φ葍?yōu)勢(shì)，使企業(yè)可以提供 與自身組織結(jié)構(gòu)相協(xié)調(diào)的激勵(lì)措施。此外，中國(guó)一半以上的受訪者預(yù)期該地區(qū)經(jīng)濟(jì)增長(zhǎng)前景良好，另有 34%預(yù)期經(jīng)濟(jì)增長(zhǎng)保持去年的水平。適當(dāng)?shù)墓?yīng)鏈管理策略和實(shí)踐不僅可以幫助企業(yè)消除這些障礙，在新行業(yè)中探索商業(yè)機(jī)會(huì)，也是促進(jìn)企業(yè)業(yè)務(wù)發(fā)展、加速全球化的主要?jiǎng)恿Α? 然而，除了創(chuàng)新因素以外， 2020年《 UPS亞洲商業(yè)監(jiān)察》受訪者指出，盡管對(duì)經(jīng)濟(jì)復(fù)蘇普遍持樂觀態(tài)度，成本和人力資本留存與報(bào)酬仍是很多中國(guó)中小企業(yè)實(shí)際關(guān)注的問題。然而， 68%的中國(guó)中小企業(yè)將創(chuàng)新列為其企業(yè)缺乏的因素，這說明他們認(rèn)為在此方面還有進(jìn)步的空間。 關(guān)于中國(guó)中小企業(yè)對(duì)自身競(jìng)爭(zhēng)力的認(rèn)知，四分之一的中國(guó)中小企業(yè)將 靈活性 列為與跨國(guó)公司競(jìng)爭(zhēng)的主要優(yōu)勢(shì)。本年度的調(diào)查涵蓋了 13個(gè)市場(chǎng)的 1,350家中小企業(yè) , 包括中國(guó)、澳大利亞、香港、印度、印尼、日本、韓國(guó)、馬來西亞、菲律賓、新加坡、臺(tái)灣、泰國(guó)和越南。報(bào)告主要顯示了亞太地區(qū)經(jīng)濟(jì)增長(zhǎng)前景被寄予全新的樂觀態(tài)度，大部分中國(guó)中小企業(yè)選擇亞太地區(qū)為其業(yè)務(wù)發(fā)展的重心。 結(jié)論 中小企業(yè)融資難制約了 中小企業(yè)的發(fā)展，也會(huì)制約 我國(guó)經(jīng)濟(jì)的發(fā)展，進(jìn)一步 解決中小企業(yè)融資難是一項(xiàng)重要而且緊迫的任務(wù)。 應(yīng)加緊完善債券相關(guān)制度，放松發(fā)債限制，充分發(fā)揮債券融資能力。但金融租賃在我國(guó)遠(yuǎn)未成熟，還主要停留在以辦公設(shè)備、汽車和房屋等物品為租賃財(cái)產(chǎn)的階段，遠(yuǎn)未實(shí)現(xiàn)企業(yè)利用金融租賃融資的目標(biāo)，主要原因是融資租賃公司的自有資本不 能滿足多次大額設(shè)備租賃。 （ 3） 、 開發(fā)金融租賃業(yè)務(wù)。 （ 1）、 要放松創(chuàng)業(yè)板的限制，讓更多的中小企業(yè)可以上市融資。 因?yàn)?關(guān)系型借貸中銀行獲得了更高價(jià)值的信息，對(duì)企業(yè)的甄別能力增強(qiáng)，信貸合約中銀行 就沒有必要實(shí)行很高的資產(chǎn)抵押要求 。 關(guān)系型融資可以大大降低信息不對(duì)稱程度，提高項(xiàng)目的融資效率 。 關(guān)系型融資中，融資雙方借助關(guān)系專用性投資 ,能夠較好地解決信息不對(duì)稱問題 。 關(guān)系型借貸是金融市場(chǎng)交易的一種內(nèi)生制度安排，是銀企為克服市場(chǎng)失靈而共同構(gòu)建的一種制度安排 。 關(guān)系型貸款是指銀行的貸款決策主要基于通過長(zhǎng)期和多種渠道的接觸所積累的關(guān)于借款企業(yè)及其業(yè)主的相關(guān)信息而做出的貸款決策 。 （