【正文】 Also should include convertible bonds issuance of corporate bonds, and actively explore the asset securitization, real estate mortgage securitization, etc. Vigorously promote the openend fund of the development of securities investment funds, the abundant fund variety, guide savings to investment. While developing venture investment funds. (4)Establishing and perfecting the bank for small and mediumsized enterprises, specialized service system for small and mediumsized enterprise service. For small and mediumsized enterprise development services to the small and medium sized financial institutions, accelerate the establishment of small and medium sized financial institutions. The small and medium sized financial institutions general understanding of local basiclevel, can use local information about the production status of small and mediumsized enterprises, so that small and medium sized financial institutions in providing financial support to small and mediumsized enterprises, with information and transaction costs low. The small and medium sized financial institutions and the mon development of small and mediumsized enterprises can promote each other, the two plement each other. government should take effective measures to increase the financing for small and mediumsized enterprises. (1)The government departments for solving the problem of small and mediumsized enterprises financing take a series of policy measures, the people39。s bank of China on May 6, 1998 by about the improvement of financial services, support the development of national economy, the requirements of the guiding opinions of mercial bank of small and mediumsized enterprises, establish credit loans to small and mediumsized enterprise service, On June 20, 1998 by about further improve financial services for small and mediumsized enterprises, and puts forward the opinion of supporting the development of small and middlesized enterprises 8 measures, On 19 October 1998, by about expanding in small loan interest rate fluctuation range of notice, decided to expand in small loans floating range, On November 17, 1999, issued on strengthening and improving the financial services for small businesses, puts forward the Suggestions to further strengthen and improve the small financial services 10 measures, Also, the small and mediumsized enterprises established in 2020, the promotion of small and mediumsized enterprises through it marks and to promote the development of small and mediumsized enterprises in China formally standardized and legalized track. Above measure to help small and mediumsized enterprises to obtain funds sources of small and mediumsized enterprises, support plays a positive effect. (2) Improve our some funding support policies. The government department mainly preferential tax and financial subsidies, loans to aid financially support. The preferential tax is the country through lower rates, tax breaks and improve the depreciation of fixed assets, etc. To reduce the tax burden of small and mediumsized enterprises, But subsidies are encouraged by the government of small and mediumsized enterprises of small and mediumsized enterprises, promoting the employment of absorbing science and technology progress and encourage small and mediumsized enterprises to export, the financial aid, The government help small and mediumsized enterprises obtain loans have loan guarantee, loans, the government directly of preferential loans, etc. Anyhow, want to effectively solve the problem of small and mediumsized enterprises, the financing needs of government, enterprises and the joint efforts of the tripartite bank financing channels, creating a diversified, social credit and perfect social economic environment for the development of small and mediumsized enterprises, and provide a relaxed financing environment. 中小企業(yè)融資難的原因及其解決途徑分析 摘要 融資租賃作為一種新型的融資工具，近年來(lái)在我國(guó)現(xiàn)代經(jīng)濟(jì)領(lǐng)域發(fā)展迅猛。然而，大多融資租賃公司在積極開(kāi)拓市場(chǎng)的同時(shí)，對(duì)融資租賃風(fēng)險(xiǎn)了解和認(rèn)識(shí)卻仍停留在表面上，風(fēng)險(xiǎn)控制工作也處于摸索階段。建設(shè)完善、系統(tǒng)的風(fēng)險(xiǎn)控制體系必要而緊迫，筆者在系統(tǒng)梳理融資租賃風(fēng)險(xiǎn)的基礎(chǔ)上，結(jié)合自身工作經(jīng)驗(yàn)，提出系統(tǒng)的應(yīng)對(duì)對(duì)策，以幫助企業(yè)更新觀念，做好風(fēng)險(xiǎn)控制工作。 關(guān)鍵詞 ： 融資租賃 風(fēng)險(xiǎn) 風(fēng)險(xiǎn)控制 中小企業(yè)融資難的原因及其解決途徑分析 Lynn 改革開(kāi)放以來(lái)，我國(guó)中小企業(yè)得到了迅猛的發(fā)展，對(duì)我國(guó)國(guó)民經(jīng)濟(jì)的貢獻(xiàn)率不斷提高，中小企業(yè)在促進(jìn)經(jīng)濟(jì)增長(zhǎng)、創(chuàng)造就業(yè)機(jī)會(huì)、增加農(nóng)民收入、轉(zhuǎn)移農(nóng)村富余勞動(dòng)力等方面發(fā)揮越來(lái)越重要的作用。但是，最近幾年，我國(guó)中小企業(yè)的