sme financing causes and solutions 中小企业融资难的原因及其解决途径分析 外文翻译Word格式文档下载.docx

sme financing causes and solutions 中小企业融资难的原因及其解决途径分析 外文翻译Word格式文档下载.docx

《sme financing causes and solutions 中小企业融资难的原因及其解决途径分析 外文翻译Word格式文档下载.docx》由会员分享，可在线阅读，更多相关《sme financing causes and solutions 中小企业融资难的原因及其解决途径分析 外文翻译Word格式文档下载.docx（12页珍藏版）》请在冰豆网上搜索。

smoderneconomyisdevelopingrapidly.However,mostoftheleasefinancingcompaniesinactivelyexplorethemarketatthesametime.Theriskof

financingleaseknowledgeandunderstandingbutwillstayonthesurface.Riskcontrolworkalsoatgropingstage.Constructionperfect,systemriskcontrolsystemnecessaryandurgent.Theauthorfinancingleaseinasystematic,onthebasisofrisk.Accordingtoitsownworkexperience,Thesystemispresentedcountermeasures.Tohelpenterprisestorenewtheidea.Doriskcontrolwork.

Keywords:

financingleaseriskriskcontrol

Somefinancingcausesandsolutions

LynnM.Fisher

Sincethereformandopeningup,theChinesesmallandmedium-sizedenterprisesaretherapiddevelopmentofChina'

snationaleconomy,improvethecontribution,smallandmedium-sizedenterprisesinpromotingeconomicgrowthandcreatejobs,increasefarmers'

income,thetransferofruralsurpluslaborforceisplayingmoreandmoreimportant,etc.However,inrecentyears,thedevelopmentofsmallandmedium-sizedenterprisesfacinggreatdifficulties.Especiallytheinfluencetothefurtherdevelopmentofsmallandmedium-sizedenterprisesinChinaisthemostimportantfactortosamefinancingchannelisnarrow,financing,financingnumberstructureunreasonable,financingcostishigh.Iflessthan30%oftheindustrialsectorcontributionofstate-ownedenterpriseoccupied70%ofbankloan,butcreates70percentoftheGDPofthenon-state-ownedenterprisesonly30%ofthebankloans.Ifthisphenomenonisnotsufficienttoimprove,smallandmedium-sizedenterpriseswillbedifficult,sustainedandrapiddevelopmentofthewholenationaleconomywilldirectlyinfluencethedevelopment.

1.Somefinancingreasonanalysis

Fromtheabovewecanseethepresentfinancing,financingChinahasrestrictedthedevelopmentofsmallandmedium-sizedenterprises.Thereasonisthatbothsmallandmedium-sizedenterpriseitself,alsohavebankmanagementsystem,therearemorereasonsofnationalpolicy.

1.1Enterpriseitself.

（1）Thesmallscaleofcapital,smallandmedium-sizedenterprisesinformationideaindifference.Smallandmedium-sizedenterprisesoperatinginsmallscale,productiontechnology,productstructurebehindasinglelevelandlowtechnology,toresisttheriskabilityispoor,fluctuatingpricesofrawmaterialsorproducts,managementriskisbigger.Addsmallandmedium-sizedenterprisecreditisnothigh,credit,banklendingnon-americansoptions.Manysmallandmedium-sizedenterpriseinformationdisclosureawareness,financialmanagementlevelislow,thelackofobjectiveinformationandtransparent.Inaddition,individualsmallandmedium-sizedenterprisestillmalicioussmokeescapecapital,default,shell,suspendedcreditorbank,causingseriousharmtothelossofcreditfundsofthesmallandmedium-sizedenterprises,theoveralllevelofcredit.

（2）Somefinancialsystemisnotperfect,theinternalcontrolsystemisnotperfect,theaccountinginformationdistortion,Banksandenterprisesinformationasymmetry,forsomefinancingdifficultyincreases.Assess,somefinancialsystemisnotperfect50%,manysmallandmedium-sizedenterprisequalitymanagement,lowlackoffinancialmanagementknowledge,majorfinancialdecision-makingbytheirheadstodecide,managementisverychaotic.Atthesametime,inordertocopewiththeinspectionandsupervisiondepartmentalsopreparetwosets,andevenmoreso,enterprise,toprovideaccurateaccountinginformation,thebankalsocannotfindtherealityoftheenterprisetoincreasetheriskofbankloanbusiness.

1.2bankreasons

（1）Thepolicysystemofbankloanandunbalanceddirectlyaffectthedirectfinancingchannels.Ourfinancialinstitutionswithfourcommercialbank,thebankingindustryandthehighaltitudemonopoly,consistentfourbanklendingtostate-ownedenterprisesonlywish.Thisismainlyintheownershipofstate-ownedBanksandenterprises,thedifferencesbetweenthebankandtheenterprisesystembarriers.Inaddition,theprovisionsofthestatebankisoverdue,baddebtsofnon-performingloans,sothebankimplementsprocessforfouryearsofsmallandmedium-sizedenterprisesofamorecautiouslendersnatureandcarefully.Thesecuritieslistedinthestrictrequest,"

mainboardmarket"

listedcompanyismainlyforlargestate-ownedenterprises,domesticenterprises,especiallythenon-statetechnologyenterprises"

"

thesecond-boardmarket,fundandotherformsoffinancingisstillintheearlystageofbuilding,mediumandsmall-sizedenterprisesdirectfinancingchannelstoachieve.

（2）InformationasymmetryaffecttherelationshipbetweenBanksandenterprises.Astheproviderofbankcapitalandcan'

tattendthedailyoperationandmanagementoffunds,andtheuser（some）ofinformationasymmetrybetweenwillbringthecontradictionsandproblems.Usually,thesmallandmedium-sizedenterprisesinthemanagementofstateownedmorethanbankinformation,therefore,hasadvantagesofsmallandmedium-sizedenterprisesintheprocessofcontractintheeventofusingthecapitalordamagetheinterestsofprocess,bankofbankriskofexcessive.Duetothesmallandmedium-sizedenterprisesandlargeenterprisesinoperationability,mortgageguaranteetransparencyandthedifference,andthesizeoftheloantothemanagementcostdifferences,lackofsmallandmedium-sizedenterprisesfordomesticBanksprovidemorefinancingservices.

（3）Lackofsmallandmedium-sizedenterprisesandthematchingofthesmallandmediumsizedfinancialinstitutions.Atpresent,thebankisstilllackoforganizationalsystemforsomefinancingservicepolicyBanks,whileChina'

sexistinginthesmallandmedium-sizedcommercialBankssuchasurbanruralcreditcooperatives,share-holdingcommercialBanks,urbancommercialBanks,butbecausetheyarenotRongZiQuanpolicyanditsproblemshaven'

tsolved,cannotsatisfysomeloans.Somesmallandmediumsizedfinancialinstitutionsfromthestart,notfromthestate-ownedenterprisesystem,managementlevelisnothigh,thedevelopmentabilityisinsufficient,thusreducedthefinancialsupporttosmallandmedium-sizedenterprises.Thefinancialsystemreformisrelativelybackward,fromtheplannedeconomycontinuedfinancialstructureunreasonableproblemsstillnotcompletelyeffectivelysolvethesmallandmedium-sizedBanks,andprivateBanks.

（4）Ofsmallandmedium-sizedenterprisesthroughissuingstocksandbondsarenotunblockedfinancingchannels.OurcompanylawshallapplyforstockmarketconditionsoftheregisteredcapitalofajointstocklimitedcompanyshallnotbelessthanRMB5millionyuan,theshareholdersofalistedcompanyamountnotlessthanRMB3000yuan,publicissuanceofsharesreachedmorethan25%ofthetotalsharesofthecompany,thecompanyexceedsRMBtotalsharecapitalofthefourbillionyuan,theproportionofsharesfor10%above,etc,thesehardconditionsofsmallandmedium-sizedenterpriseswillberejected,hinderingsomefinancingthroughcapitalmarket.Thelawalsoprovidesalimitedliabilitycompanybondsshallbenotlessthan60millionyuannetworthit,ajointstocklimitedcompanyshallnotbelessthan3,000yuannet,andhavestrongenterpriseguarantee,arenotallowedtoissue,thisseriesofprivateenterpriseofsmallandmedium-sizedenterprisesalsolimitconditionsbyissuingbondsfinancingofspace.

1.3Governmentdepartments

Governmentsupporttosmallandmedium-sizedenterprises.Governmentretainsaplannedeconomy,long-termsince,thenationalpolicysupporttoenterprises,althoughtheseyearsnationalpolicychange,butdidnothappensubstantialchanges.Especiallythecountryexecuteslargestate-ownedenterprisesatpresenttothepreferentialpoliciesforsmallandmedium-sizedenterprises,andstillcan'

tenjoythepreferentialpolicy.

InChina,althoughthedifferenceofsmallandmedium-sizedenterprisestoreducerates,twoorthreeyearfromshallbeexemptedfromincometaxpreferentialtaxpolicy,etc,butduetothesmallandmedium-sizedenterprisesaresmall-scaletaxpayers,intheprocessofoperation,shallenjoythepreferentialpolicy.Finallyoftenactual

2tosolveoursomefinancingways

Duetothefinancing,enterprises,bankingandgovernmenttripartite,therefore,tosolvethedifficultyinfinancingsome,needsthejointeffortsofthethree.

2.1Regulateinternalmanagementofsmallandmedium-sizedenterprises,improvethecomprehensivequalityofenterprises

（1）Toclarifytherights,establishenterprisejoint-stocksystem.Activelypromoteenterprisepropertyrightssystemreform,theonlyenterpriseofpropertyrights,theoperatortoclarifytheirbehaviorandthefuturedevelopmentoftheenterprise,theenterpriseisresponsibleforthecreditcanbeestablished.Accordingtotherequirementsofthemodernenterprisesystemanditsowncharacteristics,thesmallandmedium-sizedenterprisesenergeticallypromotingsome,joint-stocksystemreform.Throughthepropertyrightstransfer,lease,auctionshare-holdingsystem,etc,speedingupthereformofthesmallandmedium-sizedenterprisesgoenlivenpace.Intheprocessofreform,strengthenthevoluntarycontributiontoencourageemployeestoenterprisestaffGuanQieDuassetsfortheenterprisedevelopment,openingupnewfinancingchannels.

（2）Tostandardizeenterprisefinancialsystemandimprovefinancialmanagementlevel.Accordingtotherelevantprovisionsofthestate,establishingandperfectingtheenterprise'

sfinancialandaccountingsystems,don'

tdotheboo