中小企业融资难外文翻译.docx
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中小企业融资难外文翻译.docx
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中小企业融资难外文翻译
SmefinancingproblemsrelatedtotheanalysisFirstsmallandmedium-sizedenterprisesfinancingstatusReformandopeningupchinafor30yearsofsmallandmedium-sizedenterprisesobtainedarapiddevelopmentofenterprises99ofthesmallandmedium-sizedenterprisesofourcountrymorethan60GDPcontributiontaxover50provides70ofimportandexporttradeand80ofurbanjobs.Smallandmedium-sizedenterprisesinourcountryisalsoanimportsntpowerofindependentinnovation66ofinventionpatent82ofnewproductdevelopmentofsmallandmedium-sizedenterprisesfromsmallandmedium-sizedenterpriseshasbecometheeconomicprosperityexpandingemploymentadjustingstructurepromoteinnovationandnewindustriesofimportantstrength.From80yearssincetheoutbreakoftheinternationalfinancialcrisistheimplementationofthepositivefiscalpolicyandlosermonetarypolicybutnosmallandmedium-sizedenterprisesfromtheproactivefiscalpolicyandmoderateloosermonetarypolicybenefitdirectlyforinstanceofthenew2008225millionsmallloanonlymorethanpreviousyearbutroseonlytheloansincreased09yearthreemonthsofnationalcreditincreased48trillionincludingloanstosmallandmedium-sizedenterprisesincreasedamountonlylessthan5•CurrentloanfinancingdifficuIthasbecomethebottieneckofrestrictingthedevelopmentofsmallandmedium-sizedenterprisesandsmal1andmedium-sizedenterpriseproductionandmanagementfaceddifficultiesaccordingtothestatestatisticalbureauofstatisticsandletteruntiltheandof2008inthesmallandmedium-sizedenterprisesofproductionorcollapseclosedaccountsforabouturbanemploymentthissituationisnotonlymoredifficuIteconomicrecoveryinfluenceanddirectlyaffectthegrowthanddevelopmentofpeople"slivelihoodstabletarget•InthissensetheinternationalfinancialcrisisundertheimpactofChina"seconomycouldnotreallylowthekeyisoutofsmallandmedium-sizedenterprisesvitalitycanbefullyrecovered.SecondthesmefinancingreasonanalysisSmeloansandfinancingisacosmopolitanshouldsayseebothfromChinaandmechanismofmediumandsmallandmedium-sizedenterprisestherearethreemainreasons:
firstthemediumandsmallandmedium-sizedenterprisessmallandmedium-sizedenterprisesgenerallyweakawarenessofhonestysimilartoafewofthecommonphenomenonmayreportontaxonsomelessuglystatementsinBanksthisintersectionsomemayformgood-lookingsuchloanspointisreliablebecameaproblem.Butthisapproachisveryadverseinsteadofenterprisesthedevelopmentofsmallandmedium-sizedenterprisesarenothealthyweimagineifseveraldepartmentswithallthosetogetherthefirstthisenterpriseisnotsincerehewillhaveamanufactureandexport-orientedsmesinhumanresourcestechnologycapitalmarketenvironmentfacedfinancialcrisistherewasahugepressurethedevelopmentofitistherootcauseofthescientificandtechnologicalcontentoftheenterprisetheinnovationabilityofhighenoughtoenterthemarketisweakthelowthresholdthefiercecompetitioninthemarketwillincreasethesearenotgoodforthedevelopmentofsmallandmedium-sizedenterprises.Secondfromthebankforsmallandmedium-sizedenterprisecreditconditionsstricterbecausewearemostBandsitisalsoconsideredcommercialbanktheriskoftheirownprofits.Totheendof2008thesmallbadloansishigherthanthatoftheentirebankingindustryrelieslowcomemampasolvingsomeproblemsburtheloansofthesmallandmedium-sizedenterpriseslikeabigproblemoncecountrieswillstillenterprisesespeciallythosesmallproblemsoncethebankruptcynobodytubesotheloanqualitycannotguaranteedsointhismanagementsystemtoreducetherisksthebankwi11demandofsmallandmedium-sizedenterprisesinprovidingenoughafterpawndareloan.Anotherbankfromtheoperationcostofsmallandmedium-sizedenterprisesdoloanswillpaymoremanpowersoalsodoesnotwanttoextendloanstosmallandmedium-sizedenterprisesAbankoperatingcoststhehalfislaborcostsmallandmedium-sizedenterprisesespeciallydosmallveryhighlaborworkloadbutitisthebenefitofdifferentthesmefinancingchannelistoonarrowandsmallandmedium-sizedenterprisesinthecapitalmarketshavedirectfinancingwaysofsecuritiesmarketincludingsmallplateandgemAndprivateequityfundsindustrial
investmentfundsventureinvestmentfundsriskinvestmentfundsandthebondmarketetc.Butsincethe2008thesmallplatemarketsecuritiesissuedafterhuachangchemicalandclosedthedoorjustrecentlyIPOtorestarttheIPO.Butgemis“tenyears”goodswordpeopleuntilnowonlybevivivdlyportrayed.Althoughwithgemlistingconditionsbutalotofsmallandmedium-sizedenterprisestofinancingforman^^enterprisesitisstillaluxury.Inoverseassmallandmedium-sizedenterprisesintheprocessofgrowingonlyrelyonbankloanfinancingmanytimesisaventureinvestmentriskorthehelpofsmallandmedium-sizedenterprisesinChinahowevercangrowinthebasicoffinaneingShenzhenhas3000venturecompanywitharegisteredcapitalof6000billionbutnocompanyiswillingtostartupinvestmententerprise.Thecompanyismorematurecanthefancyofthesecuritiesmarketandgem.ThirdthesmefinancingdifficultyinsolvingtheproblemaFromtheAngleofthegovernmentgovernmentshouldrelaxmarketaccesscontrolreducingbarriersletmoresmallerBandssmallandmedium-sizedenterprisesinserviceforthestrategicpositioningogthosesmallBankstobitterfleabanebitterfleabane.
DynamicdevelopmentNowChinaisprobablymorethanahundredvillagesandtownsofthebankbankestablishedtoimprovethebottieneckoftheeconomicinvestmentcountyincludingimprovingagriculturedevelopmentofsmallandmedium-sizedenterprisesandsupportwillplayaveryimportantrole.Forexistingfivestate-ownedBanks.Shouldbeencouragedtodeveloptheirownbusinessesforthefinancingofthespecializedagenciesrelaxitshasbranchesandencouragetheminthelandandcountytownshipevenclosertoprovidefinancialservicesandmoreconvenient・governmentshouldhelpBankstoestablishacreditsystemfurtherreducingtheirinformationcostinourcountrythecentralbanksince1998enterprisecreditsystemconstructionwasstartedbythespecializedagenciescollectionandstoragesortinganalysisanduseofenterprisecreditinformationtoguardagainstcreditrisksmaintainstablefinancialmarkerIn2006thecentralbankandsmallandmedium-sizedenterprisescreditsystemtoestablishthecreditsystemhopetocoverthoseandfinancialinstitutionshavenocreditrelationsofsmall
andmedium-sizedenterprises.Ofcoursethecreditsystemisnotonlybythegovernmentandnowhassomenetworkcompanyforexampletrytouselabara.Cominonlinetransaetioninfonnationintosmalland
medium-sizedenterprisescreditindextheindexofcreditifoutofthebanktofurtherreducethecostofinformation..3.Thegovernmentshouldseveralofbankriskcompensationthelocalinterestriskcompensationmechanismandpolicyjustcompensationfundistosolvethesmefinancingwayandcannotbefundamentallysolved.Astotheendfujianprovinceofbadloansissmallloans6071buttheaveragelevelofbankingisatwopercentwhileafewriskcompensationjustpercentonlyasmallpartSomanyofbankriskcompensation.Asalloftheloanstosmallandmedium-sizedenterprisesthenaccordingtothebankloansreduceitstaxbusinesstaxincometaxreductionCountriescanhelpenterprisestoimprovebankinterestriskandreturnIftheloanlossesthegovernmentformedbyriskcompensationfundtopatchupitthismakesbifbusinessloansandsmallandmedium-sizedenterprisesloantoachievethebalanceisthebasicyields.governmentshouldactivelypromotethemulti-levelcapitalmarketsysteminordertobettersatisfyallkindsofsmallandmedium-sizedenterprisesincludethefinancingneedsofenterprise.Differenttypesofsmallandmedium-sizedenterprisesthedevelopmentstageisendlessandsamedeterminesthesmefinancingneedsisnotthesameSosmallandmedium-sizedenterprisesgroupsofdifferentiationdeterminesthediversifiedfinancingneedsthensatisfysmefinancingdemandalsoneedsthevariousformsoffinancingmodesuchasbankloansbondsequityfinancing4yearsinShenzhenstockexchangemediumplatefoundedbupromotingcapitaltechnologymanagementandtheeffectivefactorsofhighqualityascultivatingboardalsotopromotetheupgradingofindustrialstruetoreisplayingapositiverole.InOctober2009gemofficiallylaunched.Foundedboardwillprovideforindependentinnovationpromotingeffectivesupervisionmechanismofsmallandmedium-sizedenterprisesinthenewdevelopmentstage.Butformorethanforsmallandmedium-sizedenterprisesarelistedtosolvethiskindofconditionenterprise^sequityfinancingstocktransfertoavalidtheover-the~countermarkerIn2006Chinalaunchedfeijoint-stockcompanylistingfortradingofsecuritiescompaniesenteringthepilotworkBesidesthegovernmentshouldvigorouslypromotethedevelopmentofthebondmarketbondfinancingforsmallandmediumenterprisestoprovidemoreconvenientinthedevelopedcountriesthebondmarketisthemainfinancingfinancingintheUnitedStatesforexample2008thecompanybondsiscirculationstockcirculationof5timeswiththeUnitedStatesEuropeandothercountriesandregionsinthebondmarketalsohasthebigdevelopmentspace,bFromthebankanglelfrelyontheexistinginthebankingfinancialproductsandsmeloanstosolvethedifficultyinfinancingsmesisimpossiblewecannotchangethepresentsituationofsmallandmedium-sizedenterprisessowewouldchange
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