【正文】 業(yè)擔(dān)保法》、《中小企業(yè)投資法》等 ,因此扶持中小企業(yè)的法律法規(guī)體系還極不成熟。首先，要?jiǎng)澐种行∑髽I(yè)的分類標(biāo)準(zhǔn)，明確中小企業(yè)的界定方法。最后，要落實(shí) 政府支持中小企業(yè)貸款的財(cái)政資金渠道、執(zhí)行機(jī)構(gòu)及管理辦法。 建立健全中小企業(yè)信用擔(dān)保體系 首先，要出臺(tái)信用擔(dān)保行業(yè)的法律法規(guī)，填補(bǔ)信用擔(dān)保機(jī)構(gòu)的市場準(zhǔn)入、監(jiān)督管理、風(fēng)險(xiǎn)處置、市場退出等方面法律規(guī)范的空白。中小企業(yè)信用擔(dān)保機(jī)構(gòu)應(yīng)該依靠再擔(dān)保體系來分散和規(guī)避企業(yè)風(fēng)險(xiǎn)，降低擔(dān)保損失的實(shí)際代償率，提高擔(dān)保倍率。最后，建立擔(dān)保機(jī)構(gòu)風(fēng)險(xiǎn)補(bǔ)償機(jī)制。 大力支持和推動(dòng)融資租賃 中小企業(yè)因自有資金不足、外援融資困難，很難有足夠的資金購 入 ，融資租賃就是解決這一問 題較好的方法 。 但 我國租賃業(yè)的市場滲透率僅為 2％左右，較之發(fā)達(dá)國家差了很 遠(yuǎn)。 金融機(jī)構(gòu) 建立 中小型金融機(jī)構(gòu)和政策性銀行 ???? 中小型金融機(jī)構(gòu)以中小企業(yè)為主要服務(wù)對(duì)象 ,主要滿足企業(yè)的階段性資金周轉(zhuǎn)需 ????劉秀麗、郭彥卿，民營企業(yè)投融資難的化解途徑探尋 [J]，現(xiàn)代財(cái)經(jīng)， 2021 年第 8 期 ????曹永華，中小企業(yè)發(fā)展與金融支持 [J]，中南財(cái)經(jīng)政法大學(xué)學(xué)報(bào)， 2021 年第 4 期 ????張潤林，中小企業(yè)政策性融資探析 [J]，經(jīng)濟(jì)問題， 2021 年第 1 期 我國中小企業(yè)融資問題研究 15 要及擴(kuò)大生產(chǎn)需要。針對(duì)一些中小企業(yè)貸款業(yè)務(wù)風(fēng)險(xiǎn)較大 ,商業(yè)銀行不愿承擔(dān)風(fēng)險(xiǎn)的情況 ,也可借鑒發(fā)達(dá)國家經(jīng)驗(yàn)建立政策性中小銀行專門支持中小企業(yè)發(fā)展。同時(shí)，在發(fā)展地方性中小商業(yè)銀行時(shí)，可采取股份集資的方法，允許民間資本進(jìn)入銀行，使地下金融浮出水面， 降低中小企業(yè)融資成本。 陳崢嶸 ????認(rèn)為， 可以效仿 發(fā)達(dá)國家做法，建立一個(gè)多層次、多功能，能夠?yàn)閺V大中小企業(yè)融資提供服務(wù)的資本市場。由于中小企業(yè)自身的局限性，難以到主板市場融資，積極發(fā)展二板市場，降低準(zhǔn)入門檻，推動(dòng)技術(shù)含量稿、經(jīng)濟(jì)效益好、發(fā)展?jié)摿Υ蟮闹行∑髽I(yè)進(jìn)入融資市場。最后逐步開放債券發(fā)行市場，允許經(jīng)濟(jì)效益良好和商業(yè)信譽(yù)優(yōu)良的中小企業(yè)發(fā)行企業(yè)債券。因此，要解決中小企業(yè)融資難的問題，金融機(jī)構(gòu)必須在創(chuàng)新金融服務(wù)產(chǎn)品上狠下工夫。只有這樣，銀行部門才能不斷地為中小企業(yè)量身定做適用的金融服務(wù)產(chǎn)品，才能最大限度地滿足中小企業(yè)的融資需求。 ????陳崢嶸 ， 中小企業(yè)板不同于創(chuàng)業(yè)板三大區(qū)別 ，載《證券時(shí)報(bào)》， 2021 年 6 月 3 日 我國中小企業(yè)融資問題研究 16 盡管中小企業(yè)的融資難題已 經(jīng)引起世界各國的廣泛關(guān)注，也提出了很多的解決方法，但是，畢竟造成中小企業(yè)融資難的原因是多方面的，因此，解決這個(gè)問題也必須從多方面入手。內(nèi)外聯(lián)動(dòng)，共同努 力，相信中小企業(yè)融資困難會(huì)逐步得到解決。提筆寫下 “ 謝辭 ” ，才驚覺自己即將真正離開，人生亦從此展開新的畫卷。他們我的大學(xué)生活充滿了色彩，無論收獲、遺憾，對(duì)我來說都是一筆寶貴的財(cái)富。在學(xué)業(yè)的階段，老師都將他們的知識(shí)、經(jīng)驗(yàn)心得毫無保留的傳授給我們，給我們耐心的指導(dǎo)，并給我搭建了良好的學(xué)習(xí)平臺(tái)。 ll wait in the line for one hour to get a ticket, and another two hours at the site, to only see a tiny bit of the place due to the crowds. Last year, 428 million tourists traveled in China over the weeklong holiday in October. Traveling during this period is a matter that needs thorough preparation. If you are short on time to plan the uping Golden Week it may not be a bad idea to avoid some of the most crowded places for now. There is always a place so fascinating that everyone yearns for. Arxan is a place like this. The beauty of Arxan is everlasting regardless of the changing of four seasons. Bestowed by nature, its spectacular seasonal landscape and mountains are just beyond word. Arxan is a crucial destination for the remended travelling route, China Inner Mongolia Arxan — Hailar — Manzhouli. It is also the joint of the four prairies across the SinoMongolian border, where people gravitate towards the exotic atmosphere mixed with Chinese, Russian, and Mongolia elements. As a historic site for the Yitian Battle, Arxan still embodies the spirit of Genghis Khan. Walking into Arxan, you will be amazed by a kaleidoscope of geous colors all the year round the Spring azaleas blooming red in the snow, the Summer sea wavering blue in the breeze, the Autumn leaves painted in yellow covering volcanic traces, and the Winter woods shining white on the vast alpine snowscape. Hinggan League Arxan city is situated in the far eastern area of Inner Mongolia Autonomous Region. Its full name Haren Arxan means hot holy water in the Mongolian language. Arxan is a tourism city in the northern frontier with a blend of large forest, grand prairies, vast snowfield, heaven lake cluster, thermium, as well as volcanic cluster. It is a rare and unique ecotourism base filled with healthy sunshine, clean air and unspoiled green. Nestled close to the country39。s time for the wild fruits to ripe. The picturesque Arxan in Autumn is indeed a fairyland only exists in a dream that satisfies all your fantasies. If it rains heavily on Saturday night, some elderly Chinese will say it is because Zhinu, or the Weaving Maid, is crying on the day she met her husband Niulang, or the Cowherd, on the Milky Way. Most Chinese remember being told this romantic tragedy when they were children on Qixi, or the Seventh Night Festival, which falls on the seventh 我國中小企業(yè)融資問題研究 20 day of the seventh lunar month, which is usually in early August. This year it falls on Saturday, August 2. Folklore Story As the story goes, once there was a cowherd, Niulang, who lived with his elder brother and sisterinlaw. But she disliked and abused him, and the boy was forced to leave home with only an old cow for pany. The cow, however, was a former god who had violated imperial rules and was sent to earth in bovine form. One day the cow led Niulang to a lake where fairies took a bath on earth. Among them was Zhinu, the most beautiful fairy and a skilled seamstress. The two fell in love at first sight and were soon married. They had a son and daughter and their happy life was held up as an example for hundreds of years in China. Yet in the eyes of the Jade Emperor, the Supreme Deity in Taoism, marriage between a mortal and fairy was strictly forbidden. He ordered the heaven troop to catch Zhinu back. Niulang grew desperate when he discovered Zhinu had been taken back to heaven. Driven by Niulang39。 Festival. In this day, girls will throw a sewing needle into a bowl full of water on the night of Qixi as a test of embroidery skills. If the needle floats on top of the water instead of sinking, it proves the girl is a skilled embroiders. Single women also pray for finding a good husband in the future. And the newly married women pray to bee pregnant quickly. Tradition transformed The love story of Niulang and Zhinu, and the Qixi Festival have been handed down for generations. Yet these ancient traditions and customs are slowly dying out. Many modern Chinese, particularly youngsters, seem to know more about St Valentine39。s Day. More and more young Chinese people begin to celebrate this day in a very similar way as that in western countries. Fewer people than ever will gaze at the heavens on Saturday to pick out the two stars shining bright on either side of the Milky Way, that is, if people even know on which day Qixi falls. There are ready reminders dotted about, in the form of big ads saying Sales on Chinese Valentine3