中英文翻譯 外文資料翻譯 中小企業(yè)融資 融資的中英文翻譯

1 本 科 生 畢 業(yè) 論 文 外 文 資 料 翻 譯 財(cái)務(wù)管理（財(cái)務(wù)管理方向） 管理學(xué)院 1.外文資料翻譯譯文2.外文原文 2 改革開(kāi)放30 年來(lái)，我國(guó)的中小企業(yè)得到了迅速的發(fā)展，占企業(yè)總數(shù) 99的中小企業(yè)對(duì)我們國(guó)家GDP 貢獻(xiàn)超過(guò)了60，稅收超過(guò)了50，提供了70的進(jìn)出口貿(mào)易和80的城鎮(zhèn)就業(yè)崗位。中小企業(yè)同樣是我們國(guó)家自主創(chuàng)新的一個(gè)重要力量，66的發(fā)明專利，82的新產(chǎn)品開(kāi)發(fā)都來(lái)自于中小企業(yè)，中小企業(yè)已經(jīng)成為繁榮經(jīng)濟(jì)、擴(kuò)大就業(yè)、調(diào)整結(jié)構(gòu)、推動(dòng)創(chuàng)新和形成新的產(chǎn)業(yè)的重要的力量。 自0 8 年國(guó)際金融危機(jī)爆發(fā)以來(lái) 我國(guó)實(shí)施了積極的財(cái)政政策和寬松的貨幣政策 但廣大中小企業(yè)至今沒(méi)有從積極的財(cái)政政策和適度寬松的貨幣政策當(dāng)中直接受益例如08 年全國(guó)新增小企業(yè)貸款只有225 億，比上年只增長(zhǎng)了1.4，可是全國(guó)的貸款增加了14.9，09 年頭三個(gè)月全國(guó)的信貸規(guī)?？偭吭黾恿? .8萬(wàn)億，其中給中小企業(yè)貸款增加的額度只占不到5。目前融資難、貸款難已經(jīng)成為制約中小企業(yè)發(fā)展的瓶頸 中小企業(yè)生產(chǎn)經(jīng)營(yíng)面臨著嚴(yán)峻困難，據(jù)國(guó)家統(tǒng)計(jì)局和工信部統(tǒng)計(jì)到08 年底，全國(guó)中小企業(yè)中歇業(yè)停產(chǎn)或者倒閉的大約占7 .5，城鎮(zhèn)就業(yè)更加困難，這個(gè)狀況不僅影響我國(guó)經(jīng)濟(jì)的復(fù)蘇，而且直接影響保增長(zhǎng)、保民生、保穩(wěn)定的發(fā)展目標(biāo)。從這個(gè)意義上說(shuō)，國(guó)際金融危機(jī)沖擊下的我國(guó)經(jīng)濟(jì)能否真正的走出低谷，關(guān)鍵是廣大中小企業(yè)的活力能否得到完全恢復(fù)。 中小企業(yè)融資難、貸款難應(yīng)該說(shuō)也是一個(gè)世界性的難題，從我國(guó)看，既有體制機(jī)制問(wèn)題，也有中小企業(yè)自身的問(wèn)題，主要有三個(gè)方面的原因：第一個(gè)，中小企業(yè)自身的問(wèn)題 中小企業(yè)一般規(guī)模小，實(shí)力弱，它的信譽(yù)不是太高。中小企業(yè)普遍誠(chéng)信意識(shí)薄弱，類似的一家企業(yè)幾套報(bào)表的現(xiàn)象屢見(jiàn)不鮮，可能在稅務(wù)這邊報(bào)表難看一些 少交點(diǎn)稅，在銀行這邊可能表好看一些，多貸點(diǎn)款，這樣信息是否真實(shí)可靠就成了問(wèn)題。而這種做法對(duì)企業(yè)反而是很不利的，對(duì)中小企業(yè)的發(fā)展是不健康的，我們?cè)囅胍幌?，如果幾個(gè)部門(mén)把這些表全拿在一起，那首先這個(gè)企業(yè)是不誠(chéng)信的，他就沒(méi)有立足之地了。我們的制造型和外向型中小企業(yè)在人才、技術(shù)、資金、市場(chǎng)環(huán)境等方面面對(duì)著金融危機(jī)，存在著巨大的發(fā)展壓力，它的根本原因是企業(yè)的科技含量不夠高，創(chuàng)新的能力比較弱，進(jìn)入市場(chǎng)的門(mén)檻比較低，市場(chǎng)競(jìng)爭(zhēng)的激烈也增加 這些都不利于中小企業(yè)的發(fā)展壯大。第二個(gè)，從銀行方 3 面來(lái)看，對(duì)于中小企業(yè)的貸款條件更加嚴(yán)格，因?yàn)槲覀兊你y行大部分是商業(yè)銀行，它也考慮自身的風(fēng)險(xiǎn)，自身的利潤(rùn)。到2008 年末，小企業(yè)不良貸款率是11.6，高于整個(gè)銀行業(yè)七八個(gè)百分點(diǎn) 像國(guó)有的大企業(yè)，一旦出了問(wèn)題，國(guó)家還會(huì)來(lái)并購(gòu)重組，解決一些貸款難的問(wèn)題，但是這些中小型的企業(yè)，特別小企業(yè)，一旦產(chǎn)生問(wèn)題破產(chǎn)的話，就沒(méi)人管，所以銀行的貸款質(zhì)量就沒(méi)有辦法得到保證，因此在這樣的經(jīng)營(yíng)體制下，銀行為降低風(fēng)險(xiǎn)，必然會(huì)要求中小企業(yè)在提供了足夠的抵押物后才敢放款。另外銀行從運(yùn)營(yíng)成本考慮，做中小企業(yè)貸款將付出更多的人力物力，因此也不愿意向中小企業(yè)發(fā)放貸款。一個(gè)銀行經(jīng)營(yíng)的成本，有一半左右是勞動(dòng)力成本，做中小企業(yè)特別是做小企業(yè)的勞動(dòng)力成本非常高，無(wú)論是五百萬(wàn)還是五千萬(wàn)，是五個(gè)億還是五十個(gè)億的一筆貸款，它的工作量是相同的，但是它所產(chǎn)生的效益是成百倍的不同。第三個(gè)，中小企業(yè)融資渠道太窄，中小企業(yè)在資本市場(chǎng)上直接融資的途徑有證券市場(chǎng)、包括中小板和創(chuàng)業(yè)板；還有私募股權(quán)基金、產(chǎn)業(yè)投資基金、創(chuàng)業(yè)投資基金、風(fēng)險(xiǎn)投資基金，以及債券市場(chǎng)等等。而自從2008 年9 月25 日，中小板市場(chǎng)華昌化工發(fā)行之后，證監(jiān)會(huì)便關(guān)閉了IPO 大門(mén)， 近日才重啟新股發(fā)行。而創(chuàng)業(yè)板也是“十年磨一劍”，到現(xiàn)在才呼之欲出。盡管符合創(chuàng)業(yè)板上市條件的中小企業(yè)不少，但真正能夠上市融資，對(duì)于很多企業(yè)來(lái)說(shuō)，仍然是一種奢望。在海外，中小企業(yè)成長(zhǎng)過(guò)程中的融資不僅僅依靠銀行的貸款，很多時(shí)候是獲得風(fēng)險(xiǎn)投資或者創(chuàng)投的幫助，然而我國(guó)的中小企業(yè)在成長(zhǎng)中，基本無(wú)法獲得這樣的融資。深圳擁有3000 家創(chuàng)投公司，注冊(cè)資金達(dá)6000 億，但沒(méi)有公司愿意投資給創(chuàng)業(yè)初期的企業(yè)。這些公司更多的時(shí)候只是看中比較成熟、能上創(chuàng)業(yè)板和證券市場(chǎng)的企業(yè)。 1、政府應(yīng)該放松管制，降低市場(chǎng)準(zhǔn)入壁壘，讓更多的小銀行，以服務(wù)中小企業(yè)為戰(zhàn)略定位的那些小銀行能夠蓬蓬勃勃的發(fā)展起來(lái)?，F(xiàn)在我國(guó)有大概一百多家村鎮(zhèn)銀行，村鎮(zhèn)銀行的成立對(duì)改善縣經(jīng)濟(jì)投資的瓶頸，包括改善中小企業(yè)和支持三農(nóng)發(fā)展將會(huì)起到非常重要的作用。對(duì)現(xiàn)有五大國(guó)有銀行 應(yīng)鼓勵(lì)其大力發(fā)展自己有利于小企業(yè)融資的專門(mén)機(jī)構(gòu)，放松其下設(shè)分支機(jī)構(gòu)的審批環(huán)節(jié)，鼓勵(lì)它們?cè)诘?、縣，甚至鄉(xiāng)，來(lái)提供更接近、更方便的金融服務(wù)。 2 、政府應(yīng)該幫助銀行建立一個(gè)信用體系，進(jìn)一步降低他們的信息成本，在我國(guó)，央行從1998 年起就開(kāi)始啟動(dòng)了企業(yè)征信體系建設(shè)，由專門(mén)機(jī)構(gòu)采集、保存、懟治觥褂悶笠檔男龐瞇畔苑婪緞龐梅縵眨紙鶉謔諧榷?4 2006 年開(kāi)始，央行又著手建立中小企業(yè)信用體系，希望把征信體系覆蓋到那些和金融機(jī)構(gòu)沒(méi)有信貸關(guān)系的中小企業(yè)。當(dāng)然，信用體系也不是只靠政府，現(xiàn)在有一些網(wǎng)絡(luò)公司，比如阿里巴巴在嘗試用網(wǎng)上交易的信息變成中小企業(yè)的信用指標(biāo)，這個(gè)信用指標(biāo)如果出來(lái)了以后，可以進(jìn)一步降低銀行的信息成本。 3 、政府應(yīng)該多方面的對(duì)銀行進(jìn)行風(fēng)險(xiǎn)補(bǔ)償 目前各地出臺(tái)的利益補(bǔ)償機(jī)制和風(fēng)險(xiǎn)補(bǔ)償基金政策，僅僅是解決中小企業(yè)融資難的一種辦法，并不能從根本上解決。例如到去年末為止，福建省小企業(yè)貸款的不良貸款率是6.71，而整個(gè)銀行業(yè)，平均的水平是百分之二點(diǎn)一幾， 而風(fēng)險(xiǎn)補(bǔ)償金，只是給0.8 個(gè)百分點(diǎn)， 只解決一小部分。因此需要多方面的對(duì)銀行進(jìn)行風(fēng)險(xiǎn)補(bǔ)償。例如凡是給中小企業(yè)貸款的，那么就根據(jù)銀行的貸款量，減少它的稅收，減少營(yíng)業(yè)稅、所得稅 國(guó)家可以幫助企業(yè)貼息，提高銀行風(fēng)險(xiǎn)收益 如果貸款形成損失，政府用風(fēng)險(xiǎn)補(bǔ)償基金把它補(bǔ)起來(lái)，這就使大企業(yè)的貸款和中小企業(yè)的貸款能夠達(dá)到比較收益率是基本平衡的。 4 、政府應(yīng)該積極推進(jìn)多層次資本市場(chǎng)體系建設(shè) 以更好的滿足包括中小企業(yè)在內(nèi)的各類企業(yè)的融資需求。中小企業(yè)類型不一，所處的發(fā)展階段不盡相同，決定了中小企業(yè)的融資需求也不一樣。因此中小企業(yè)群體的差異化決定了企業(yè)融資需求的多元化，那么滿足中小企業(yè)融資需求也需要形式多樣的資金提供方式，比如銀行貸款、債券融資、股權(quán)融資等等。我國(guó)2 0 0 4 年深圳交易所創(chuàng)立中小板通過(guò)推動(dòng)資本、科技、管理等要素有效的結(jié)合，中小板既培育了一批優(yōu)質(zhì)企業(yè)，也為促進(jìn)產(chǎn)業(yè)結(jié)構(gòu)的升級(jí)發(fā)揮了積極的作用。 09 年10 月，創(chuàng)業(yè)板正式啟動(dòng)。創(chuàng)辦板推出將為自主創(chuàng)新的企業(yè)提供有效的監(jiān)管機(jī)制，推動(dòng)一批中小企業(yè)邁上新的發(fā)展臺(tái)階。但對(duì)于更多中小企業(yè)而言還達(dá)不到上市的條件，解決這類企業(yè)股權(quán)融資、股份流轉(zhuǎn)需要一個(gè)有效的場(chǎng)外市場(chǎng)。在2006 年開(kāi)始，我國(guó)啟動(dòng)了非上市股份公司進(jìn)入證券公司掛牌交易的試點(diǎn)工作。此外政府應(yīng)大力推動(dòng)債券市場(chǎng)的發(fā)展，為中小企業(yè)債券融資提供更多的便利，在發(fā)達(dá)市場(chǎng)國(guó)家，債券融資是企業(yè)主要的融資方式，以美國(guó)為例，2008 年，美國(guó)的公司債券發(fā)行額是同期股票發(fā)行額的5倍，與美國(guó)、歐洲等國(guó)家和地區(qū)相比，我國(guó)債券市場(chǎng)還有很大拓展的空間。 如果依靠我國(guó)銀行業(yè)的現(xiàn)有金融產(chǎn)品和對(duì)中小企業(yè)貸款的相關(guān)規(guī)定，要想解決中小企業(yè)融資難問(wèn)題是不可能的，我們改變不了中小企業(yè)的現(xiàn)狀，那么我們就改變我們銀行的信貸方式，金融創(chuàng)新迫在眉睫。目前銀行業(yè)正在通過(guò)組織架構(gòu)創(chuàng)新，風(fēng)險(xiǎn)管理技術(shù)創(chuàng)新，擔(dān)保抵押創(chuàng)新，和產(chǎn)品創(chuàng)新等多種途徑改變中小企業(yè)融 5 資難的現(xiàn)狀。 1、擔(dān)保抵押創(chuàng)新。抵押品不足是中小企業(yè)最大軟肋 他們不可能買(mǎi)一堆房子然后準(zhǔn)備做擔(dān)保，這是不現(xiàn)實(shí)的，對(duì)于高新企業(yè)而言核心的資產(chǎn)應(yīng)該是他們的知識(shí)產(chǎn)權(quán)， 專利權(quán)和一個(gè)在技術(shù)、在市場(chǎng)上創(chuàng)新的團(tuán)隊(duì)，是最重要的資產(chǎn)，可以使他們每年高速增長(zhǎng)，但是資金就像血液一樣支撐其發(fā)展，這幾塊都需要資金，而抵押物不足，銀行不給放貸。目前全國(guó)很多省份的中小銀行都開(kāi)展了面向中小企業(yè)的金融創(chuàng)新實(shí)驗(yàn)，如江蘇農(nóng)信社廣泛推廣倉(cāng)單質(zhì)押，通過(guò)庫(kù)存產(chǎn)品作為抵押取得貸款；天津?yàn)I海農(nóng)村商業(yè)銀行積極開(kāi)展企業(yè)股權(quán)質(zhì)押貸款 北京銀行新近推出知識(shí)產(chǎn)權(quán)作為質(zhì)押從銀行獲得貸款。 2、信用評(píng)級(jí)創(chuàng)新。大銀行做業(yè)務(wù)的時(shí)候，通?？促Y產(chǎn)負(fù)債表、損益表、現(xiàn)金流量表，中小企業(yè)有的連這三表都沒(méi)有，銀行信息成本很高，導(dǎo)致惜貸 浙江泰隆商業(yè)銀行進(jìn)行創(chuàng)新 他們就看水表、電表、海關(guān)報(bào)關(guān)表，大量降低成本，使得小額貸款還能夠有錢(qián)可賺。又如深圳發(fā)展銀行 他們通過(guò)關(guān)注企業(yè)交易對(duì)手的信用，關(guān)注企業(yè)的真實(shí)性， 選擇了一種新的對(duì)企業(yè)的信用評(píng)級(jí)方式。在對(duì)企業(yè)的信用評(píng)級(jí)方法里邊，對(duì)企業(yè)自身的信用評(píng)級(jí)權(quán)重只有15，更加關(guān)注交易對(duì)手和交易的真實(shí)性。大部分企業(yè)都是在貿(mào)易鏈中，在供應(yīng)鏈中生存的，它一定有上游的原材料供應(yīng)和下游的產(chǎn)品或者是半成品的服務(wù)或者是運(yùn)輸或者是物流的管理，那么在這個(gè)過(guò)程當(dāng)都能夠檢索到企業(yè)的信用記錄，用這些東西就可以比較容易的選擇到好的重信用的有真實(shí)貿(mào)易背景的這些企業(yè)，向其提供足夠好的服務(wù)，調(diào)動(dòng)各種各樣的金融工具，在企業(yè)發(fā)展的過(guò)程中，深發(fā)展也創(chuàng)造了利潤(rùn)。 3、業(yè)務(wù)流程創(chuàng)新。我國(guó)商業(yè)銀行大都是官辦的銀行，習(xí)慣在房子里坐等客戶，一筆貸款要審批一個(gè)月、三個(gè)月，這樣一種管理、這樣一種審批效果是不可能適應(yīng)中小企業(yè)金融服務(wù)，也不可能來(lái)改善中小企業(yè)的融資困難。銀行一方面要降低門(mén)檻，另一方面必須簡(jiǎn)化程序、減少環(huán)節(jié)，建立高效的審批機(jī)制 這樣才能適應(yīng)小企業(yè)對(duì)信貸資金短、平、快的要求。中國(guó)銀行四月底推出了信貸工廠。就是把銀行當(dāng)作工廠，中小企業(yè)是原材料，進(jìn)入流水線后經(jīng)過(guò)營(yíng)銷、銷售、業(yè)務(wù)申報(bào)、審批、支用、客戶維護(hù)和貸后管理，獲得貸款。而銀行也不是一個(gè)人從頭到尾完成所有環(huán)節(jié)，而是派出7組工人，每人把住流水線上的一個(gè)環(huán)節(jié)，批量生產(chǎn)。通過(guò)這樣的方式簡(jiǎn)化審批的流程。通過(guò)這種流程安排使其對(duì)于中小企業(yè)信貸審批的周期從過(guò)去2、3 個(gè)月，縮短到現(xiàn)在的3、5 天。 4、加強(qiáng)人員培訓(xùn)。在機(jī)制建設(shè)以后就要有一批人能夠做這件事情，而且把它做得很好，這就要加強(qiáng)員工的培訓(xùn)，進(jìn)一步加強(qiáng)對(duì)中小企業(yè)、微小企業(yè)貸款以及高新技術(shù)的中小企業(yè)的貸款工作的培訓(xùn)和交流的力度，加大整個(gè)產(chǎn)品應(yīng)變研發(fā)的力度，用新的激勵(lì)約束的辦法來(lái)培養(yǎng)一支專業(yè)的隊(duì)伍和新的服務(wù)文化。 6 1、企業(yè)應(yīng)加強(qiáng)管理、提高素質(zhì)。要正確認(rèn)識(shí)當(dāng)前形勢(shì)，正視風(fēng)險(xiǎn)，樹(shù)立靠管理求效益、謀發(fā)展的觀念 要更加注重技術(shù)改造、科技創(chuàng)新，注重新產(chǎn)品研發(fā)、質(zhì)量改進(jìn)和品牌建設(shè)，不斷拓展新產(chǎn)品，提高產(chǎn)品附加值，以內(nèi)在質(zhì)量的提高，贏得市場(chǎng)。努力節(jié)能降耗、降本增效、增收節(jié)支。加大市場(chǎng)開(kāi)拓能力，降低“產(chǎn)成品、應(yīng)收賬款”兩項(xiàng)資金占用，加快資金周轉(zhuǎn)。通過(guò)轉(zhuǎn)變發(fā)展方式，不是單靠產(chǎn)量的擴(kuò)張，而是靠質(zhì)的提高實(shí)現(xiàn)工業(yè)增加值的較快增長(zhǎng)。 2、企業(yè)應(yīng)加強(qiáng)誠(chéng)信體系建設(shè)，建立規(guī)范透明的管理制度，建立真實(shí)可信的財(cái)務(wù)報(bào)表，積累企業(yè)的信用制度。 綜上所述 中小企業(yè)的融資是一個(gè)全球性的難題，也是一項(xiàng)系統(tǒng)工程，需要各方的共同努力，也更需要中小企業(yè)自身的管理進(jìn)步，這件事情不管它的前進(jìn)道路上有多大的困難，只要我們大家共同努力，為破解中小企業(yè)的融資難題貢獻(xiàn)自己的智慧和力量，轉(zhuǎn)變觀念，進(jìn)行大膽創(chuàng)新，找到解決中小企業(yè)融資難的正確途徑 那么在這一條道路上面我們就會(huì)越走越寬廣，我們的前景也會(huì)越來(lái)越美好。 7 Sme financing problems related to the analysis First small and medium-sized enterprise financing status Reform and opening up China for 30 years of small and medium-sized enterprises obtained a rapid development of enterprise 99 of the small and medium-sized enterprises of our country more than 60 GDP contribution tax over 50 provides 70 of import and export trade and 80 of urban jobs. Small and medium-sized enterprises in our country is also an important power of independent innovation 66 of invention patent 82 of new product development of small and medium-sized enterprises from small and medium-sized enterprises has become the economic prosperity expanding employment adjusting structure promote innovation and new industries of important strength. From 80 years since the outbreak of the international financial crisis the implementation of the positive fiscal policy and looser monetary policy but no small and medium-sized enterprises from the proactive fiscal policy and moderate looser monetary policy benefit directly for instance of the new 2008 225 million small loan only more than the previous year but rose 1.4 only the loans increased 14.9 09 year three months of national total credit increased 4 8 trillion including loans to small and medium-sized enterprises increased amount only less than 5. Current loan financing difficult has become the bottleneck of restricting the development of small and medium-sized enterprises and small and medium-sized enterprise production and management faced difficulties according to the state statistical bureau of statistics and letter until the end of 2008 in the small and medium-sized enterprises of production or collapse closed accounts for about 7. 5 the urban employment this situation is not only more difficult economic recovery influence and directly affect the growth and development of peoples livelihood stable target. In this sense the international financial crisis under the impact of Chinas economy could not really low the key is out of small and medium-sized enterprises vitality can be fully recovered. Second the sme financing reason analysis Sme loans and financing is a cosmopolitan should say see both from China and 8 mechanism of medium and small-sized enterprises there are three main reasons: first the medium and small-sized enterprises small and medium-sized enterprises generally small weak strength its not too much credit. Small and medium-sized enterprises generally weak awareness of honesty similar to a few of the common phenomenon may report on tax on some less ugly statements in Banks this intersection some may form good-looking such loans point is reliable became a problem. But this approach is very adverse instead of enterprises the development of small and medium-sized enterprises are not healthy we imagine if several departments with all these together the first this enterprise is not sincere he will have a foothold. We manufacture and export-oriented smes in human resources technology capital market environment faced financial crisis there was a huge pressure the development of it is the root cause of the scientific and technological content of the enterprise the innovation ability of high enough to enter the market is weak the low threshold the fierce competition in the market will increase these are not good for the development of small and medium-sized enterprises. Second from the bank for small and medium-sized enterprise credit conditions stricter because we are most Banks it is also considered commercial bank the risk of their own profits. To the end of 2008 the small bad loans is higher than that of the entire banking industry relies low percentage of state-owned enterprises like a big problem once countries will still come mampa solving some problems but the loans of the small and medium-sized 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 medium-sized enterprises in providing enough after pawn dare loan. Another bank from the operation cost of small and medium-sized enterprises do loans will pay more manpower so also does not want to extend loans to small and medium-sized enterprises. A bank operating costs the half is labor cost small and medium-sized enterprises especially do small very high labor costs is five million or 50m or fifty billion billion a loan it is the same as the workload but it is the benefit of different times. Third the sme financing channel is too narrow and small and medium-sized 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 2008 the small plate market securities issued after huachang chemical and closed the door just recently IPO to restart the IPO. But gem is quotten yearsquot good sword.people until now only be vividly 9 portrayed. Although with gem listing conditions but a lot of small and medium-sized enterprises to financing for many enterprises it is still a luxury. In overseas small and medium-sized 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 medium-sized enterprises in China however can grow in the basic of financing. Shenzhen has 3000 venture company with a registered capital of 6000 billion but no company is willing to startup investment enterprise. The company is more mature can the fancy of the securities market and gem. Third the sme 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 medium-sized 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 medium-sized enterprises and support will play a very important role. For existing five state-owned 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 2006 the central bank and small and medium-sized enterprise credit system to establish the credit system hope to cover those and financial institutions have no credit relations of small and medium-sized enterprises. Of course the credit system is not only by the government and now have some network company for example try to use in online transaction information into small and medium-sized enterprise credit index the index of credit if out of the bank to further reduce t.