外文翻译---中小企业融资难的原因及其解决途径分析-企业融资(编辑修改稿)

外文翻译---中小企业融资难的原因及其解决途径分析-企业融资(编辑修改稿)内容摘要：

financing some, needs the joint efforts of the three. Regulate internal management of small and mediumsized enterprises, improve the prehensive quality of enterprises (1) To clarify the rights, establish enterprise jointstock system. Actively promote enterprise property rights system reform, the only enterprise of property rights, the operator to clarify their behavior and the future development of the enterprise, the enterprise is responsible for the credit can be established. According to the requirements of the modern enterprise system and its own characteristics, the small and mediumsized enterprises energetically promoting some, jointstock system reform. Through the property rights transfer, lease, auction shareholding system, etc, speeding up the reform of the small and mediumsized enterprises go enliven pace. In the process of reform, strengthen the voluntary contribution to encourage employees to enterprise staff GuanQieDu assets for the enterprise development, opening up new financing channels. (2)To standardize enterprise financial system and improve financial management level. According to the relevant provisions of the state, establishing and perfecting the enterprise39。 s financial and accounting systems, don39。 t do the books, establish and improve the system of financial statements, and improve enterprise financial status of transparency and the credibility of the financial statements. Pay the debt and bank actively establish enterprise, payment of the credit system, improve the level of trust panies. (3)To strengthen internal management, improve enterprise39。 s credit rating. Normally, A level above the level of credit enterprise, financial institutions to consider its financing application, so enterprises to establish A good corporate image, eliminate the bad credit histories, enhances the enterprise prestige degree of reimbursement, vigorously develop products market. Also established a credit rating system of evaluation indexes, and actively cooperate with the government departments concerned, constructing credit system as soon as possible. Financial institutions of selfimprovement (1) The financial departments should according to the requirements of the development of market economy, the reasonable allocation of financial capital, should not go to guide the market with the financial regulations, fully utilize rate of market of leverage, the financial market regulation. According to the requirements of small and mediumsized enterprises such as credit amount is small, short time, high frequency characteristics, can properly raising interest rates, booth low cost, make oneself of the credit of small and mediumsized enterprises also forgave unnecessary travel and folk usury of borrowing. In addition, mercial Banks should develop more updates of financial services for small and mediumsized enterprises, improve service efficiency, the credit for the small and mediumsized enterprises to provide relevant information and advisory services, to help small and mediumsized enterprise financial management system of health. (2) Various financing for mon development. Continue to expand the scale of China39。 s stock market, establish the gem, as soon as possible, the enterprise property market directly in stateowned enterprises listed at the same time, allowed conditions for listing of small and mediumsized enterprises into the capital market. Also solve a listed pany of its shares in listed stateowned, can realize the circulation problems, shares of stock, promoting the circulation of the gem market as soon as possible. Gem mainly depends on the development of the enterprise, such as potential small and mediumsized enterprises into stateowned enterprises create conditions as soon as possible. (3)Cultivating and developing bond financing market, develop China investment fund market, promote the development of small and mediumsized enterprises of scientific research innovation ability. In order to support the development of small and mediumsized enterprises should straighten out the issuance examination system, gradually relaxing restrictions, expand the scale of perfect bond issued amount secured credit rating system, support the operation efficiency and repay ability of small and mediumsized enterprises through the issuance of bonds.。