外文资料翻译----中小企业融资难相关问题分析-企业融资(编辑修改稿)

外文资料翻译----中小企业融资难相关问题分析-企业融资(编辑修改稿)内容摘要：

nditions stricter, because we are most Banks, it is also considered mercial bank, the risk of their own profits. To the end of 2020, 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。 a, solving some problems, but the loans of the small and mediumsized enterprises, especially those small problems, once the bankruptcy, nobody tube, so the bank loan quality cannot guaranteed, so in this management system, to reduce the risks, the bank will demand of small and mediumsized enterprises in providing enough after pawn dare loan. Another bank from the operation cost of small and mediumsized enterprises, do loans will pay more manpower, so also does not want to extend loans to small and mediumsized enterprises. A bank operating costs, the half is labor cost, small and mediumsized enterprises especially do small, very high labor costs, is five million or 50m or fifty billion a loan, it is the small and medium enterprises as the workload, but it is the benefit of different times. Third, the small and medium enterprises financing channel is too narrow and small and mediumsized enterprises in the capital markets have direct financing ways of securities market, including small plate and gem, And private equity funds, industrial investment funds, venture investment funds, risk investment funds, and the bond market, etc. But since the sept. 25, 2020, the small plate market, securities issued after huachang chemical and closed the door, just recently IPO to restart the IPO. But gem is ten years, good sword. people until now only be vividly portrayed. Although with gem listing conditions, but a lot of small and mediumsized enterprises to financing, for many enterprises, it is still a luxury. In overseas, small and mediumsized enterprises in the process of growing only rely on bank loan financing, many times is a venture investment risk or the help of small and mediumsized enterprises in China, however, can grow in the basic of financing. Shenzhen has 3,000 venture pany, with a registered capital of 6,000 billion, but no pany is willing to startup investment enterprise. The pany is more mature, can the fancy of the securities market and gem. Third, the small and medium enterprises financing difficulty in solving the problem (a) from the Angle of the government 1, the government should relax market access control, reducing barriers, let more smaller Banks, small and mediumsized enterprises in service for the strategic positioning of those small Banks to bitter fleabane bitter fleabane. Dynamic development Now China is probably more than a hundred villages and towns of the bank, bank established to improve the bottleneck of the economic investment county, including improving agriculture development of small and mediumsized enterprises and support will play a very important role. For existing five stateowned Banks, should be encouraged to develop their own businesses for the financing of the specialized agencies, relax its has branches and encourage them in the land, and county, township, even closer to provide financial services and more convenient. 2, the government should help Banks to establish a credit system, further reducing their information cost, in our country, the central bank since 1998 enterprise credit system construction was started by the specialized agencies, collection and storage, sorting, analysis, and use of enterprise credit information, to guard against credit risks, maintain stable financial markets. In 2020, the central bank and small and mediumsized enterprise credit system to establish the credit system, hope to cover those and financial institutions have no credit relations of small and mediumsized enterprises. Of course, the credit system is not only by the government, and now have some work pany, for example, try to use in online transaction information into small and mediumsized enterprise credit index, the index of credit, if out of the bank to further reduce the cost of information. 3, the government should various of bank risk pensation, the local interest risk pensation mechanism and policy, just pensation fund is to solve the small and medium enterprises financing way, and cannot be fundamental。