【正文】 份流轉(zhuǎn)需要一個(gè)有效的場(chǎng)外市場(chǎng)。此外政府應(yīng)大力推動(dòng)債券市場(chǎng)的發(fā)展，為中小企業(yè)債券融資提供更多的便利，在發(fā)達(dá)市場(chǎng)國(guó)家，債券融資是企業(yè)主要的融資方式，以美國(guó)為例， 2021 年，美國(guó)的公司債券發(fā)行額是同期股票發(fā)行額的 5 倍，與美國(guó)、歐洲等國(guó)家和地區(qū)相比，我國(guó)債券市場(chǎng)還有很大拓展的空間。目前銀行業(yè)正在通 過(guò)組織架構(gòu)創(chuàng)新，風(fēng)險(xiǎn)管理技術(shù)創(chuàng)新，擔(dān)保抵押創(chuàng)新，和產(chǎn)品創(chuàng)新等多種途徑改變中小企業(yè)融 5 資難的現(xiàn)狀。抵押品不足是中小企業(yè)最大軟肋 , 他們不可能買一堆房子然后準(zhǔn)備做擔(dān)保，這是不現(xiàn)實(shí)的，對(duì)于高新企業(yè)而言核心的資產(chǎn)應(yīng)該是他們的知識(shí)產(chǎn)權(quán)， 專利權(quán)和一個(gè)在技術(shù)、在市場(chǎng)上創(chuàng)新的團(tuán)隊(duì)，是最重要的資產(chǎn)，可以使他們每年高速增長(zhǎng)，但是資金就像血液一樣支撐其發(fā)展，這幾塊都需要資金，而抵押物不足，銀行不給放貸。 北京銀行新近推出知識(shí)產(chǎn)權(quán)作為質(zhì)押從銀行獲得貸款。大銀行做業(yè)務(wù)的時(shí)候，通?？促Y產(chǎn)負(fù)債表、損益表、現(xiàn)金流量表，中小企業(yè)有的連這三表都沒(méi)有，銀行信息成本很高，導(dǎo)致惜貸 , 浙江泰隆商業(yè)銀行進(jìn)行創(chuàng)新 , 他們就看水表、電表、海關(guān)報(bào)關(guān)表，大量降低成本，使得小額貸款還能夠有錢可賺。在對(duì)企業(yè)的信用評(píng)級(jí)方法里邊，對(duì)企業(yè)自身的信用評(píng)級(jí)權(quán)重只有 15％，更加關(guān)注交易對(duì)手和交易的真實(shí)性。 業(yè)務(wù)流程創(chuàng)新。銀行一方面要降低門檻，另一方面必須簡(jiǎn)化程序、減少環(huán)節(jié)，建立高效的審批機(jī)制 , 這樣才能適應(yīng)小企業(yè)對(duì)信貸資金短、平、快的要求。就是把銀行當(dāng)作工廠，中小企業(yè)是原材料，進(jìn)入流水線后經(jīng)過(guò)營(yíng)銷、銷售、業(yè)務(wù)申報(bào)、審批、支用、客戶維護(hù)和貸后管理，獲得貸款。通過(guò)這樣的方式簡(jiǎn)化審批的流程。 加強(qiáng)人員培訓(xùn)。 6 (三 ) 從企業(yè)角度而言 企業(yè)應(yīng)加強(qiáng)管理、提高素質(zhì)。努力節(jié)能降耗、降本增效、增收節(jié)支。通過(guò)轉(zhuǎn)變發(fā)展方式，不是單靠產(chǎn)量的擴(kuò)張，而是靠質(zhì)的提高實(shí)現(xiàn)工業(yè)增加值的較快增長(zhǎng)。 綜上所述 , 中小企業(yè)的融資是一個(gè)全球性的難題，也是一項(xiàng)系統(tǒng)工程，需要各方的共同努力，也更需要中小企業(yè)自身的管理進(jìn)步，這件事情不管它的前進(jìn)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(xiàn)自己的智慧和力量，轉(zhuǎn)變觀念，進(jìn)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(huì)越走越寬廣，我們的前景也會(huì)越來(lái)越美好 。s livelihood, stable target. In this sense, the international financial crisis under the impact of China39。s not too much credit. 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 instead of enterprises, the development of small and mediumsized enterprises are not healthy, we imagine, if several departments with all these together, the first this enterprise is not sincere, he will have a foothold. We manufacture and exportoriented smes in human resources, technology, capital, market environment faced financial crisis, there was a huge pressure, the development of it is the root cause of the scientific and technological content of the enterprise, the innovation ability of high enough to enter the market is weak, the low threshold, the fierce petition in the market will increase, these are not good for the development of small and mediumsized enterprises. Second, from the bank, for small and mediumsized enterprise credit conditions stricter, because we are most Banks, it is also considered mercial bank, the risk of their own profits. To the end of 2021, the small bad loans is higher than that of the entire banking industry relies low percentage of stateowned enterprises, like a big problem, once, countries will still e mamp。s equity financing, stock transfer to a valid the overthecounter market. In 2021, China launched fei jointstock pany listing for trading of securities panies entering the pilot work. Besides the government should vigorously promote the development of the bond market, bond financing for small and medium enterprises to provide more convenient, in the developed countries, the bond market is the main financing, financing, in the United States, for example, 2021, the pany bonds is circulation stock circulation of 5 times, with the United States, Europe and other countries and regions in the bond market, also has the very big development space. (b) from the bank Angle 11 If rely on the existing in banking financial products and sme loans, to solve the difficulty in financing smes is impossible, we cannot change the present situation of small and mediumsized enterprises, so we would change our bank credit, financial innovation is imminent. Currently banking is through the anization innovation, risk management technical innovation, innovation, and security collateral product innovation so as to change the status of financing for smes. 1， guarantee mortgage innovation. Collateral shortage is small and mediumsized enterprise biggest soft rib, they could not buy a heap of the house and then prepare for security, it is not realistic to hightech enterprise, as the core of assets should be their intellectual property rights, the patent right and one on the market in technology, creative team, is the most important asset, can make their annual growth, but the capital like the blood to support its development, as well as several pieces of the mortgaged property, but all need money to lend, bank. The small and mediumsized Banks are many provinces in the face of financi