外文資料翻譯,中英文 翻譯畢業(yè)論文,財務(wù)管理中英翻譯文獻

本 科 生 畢 業(yè) 論 文外 文 資 料 翻 譯 專 業(yè) 財務(wù)管理財務(wù)管理方向 班 級 姓 名 指導教師 所在學院 管理學院 附 件1.外文資料翻譯譯文;2.外文原文 中小企業(yè)融資難相關(guān)問題分析一、中小企業(yè)融資難現(xiàn)狀改革開放30 年來，我國的中小企業(yè)得到了迅速的開展，占企業(yè)總數(shù) 99的中小企業(yè)對我們國家GDP 奉獻超過了60，稅收超過了50，提供了70的進出口貿(mào)易和80的城鎮(zhèn)就業(yè)崗位。中小企業(yè)同樣是我們國家自主創(chuàng)新的一個重要力量，66的創(chuàng)造專利，82的新產(chǎn)品開發(fā)都來自于中小企業(yè)，中小企業(yè)已經(jīng)成為繁榮經(jīng)濟、擴大就業(yè)、調(diào)整結(jié)構(gòu)、推動創(chuàng)新和形成新的產(chǎn)業(yè)的重要的力量。自0 8 年國際金融危機爆發(fā)以來, 我國實施了積極的財政政策和寬松的貨幣政策, 但廣闊中小企業(yè)至今沒有從積極的財政政策和適度寬松的貨幣政策當中直接受益,例如08 年全國新增小企業(yè)貸款只有225 億，比上年只增長了1.4，可是全國的貸款增加了14.9，09 年頭三個月全國的信貸規(guī)?？偭吭黾恿? .8萬億，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)開展的瓶頸, 中小企業(yè)生產(chǎn)經(jīng)營面臨著嚴峻困難，據(jù)國家統(tǒng)計局和工信部統(tǒng)計到08 年底，全國中小企業(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，這個狀況不僅影響我國經(jīng)濟的復(fù)蘇，而且直接影響保增長、保民生、保穩(wěn)定的開展目標。從這個意義上說，國際金融危機沖擊下的我國經(jīng)濟能否真正的走出低谷，關(guān)鍵是廣闊中小企業(yè)的活力能否得到完全恢復(fù)。二、中小企業(yè)融資難原因分析中小企業(yè)融資難、貸款難應(yīng)該說也是一個世界性的難題，從我國看，既有體制機制問題，也有中小企業(yè)自身的問題，主要有三個方面的原因：第一個，中小企業(yè)自身的問題, 中小企業(yè)一般規(guī)模小，實力弱，它的信譽不是太高。中小企業(yè)普遍誠信意識薄弱，類似的一家企業(yè)幾套報表的現(xiàn)象屢見不鮮，可能在稅務(wù)這邊報表難看一些, 少交點稅，在銀行這邊可能表好看一些，多貸點款，這樣信息是否真實可靠就成了問題。而這種做法對企業(yè)反而是很不利的，對中小企業(yè)的開展是不健康的，我們試想一下，如果幾個部門把這些表全拿在一起，那首先這個企業(yè)是不誠信的，他就沒有立足之地了。我們的制造型和外向型中小企業(yè)在人才、技術(shù)、資金、市場環(huán)境等方面面對著金融危機，存在著巨大的開展壓力，它的根本原因是企業(yè)的科技含量不夠高，創(chuàng)新的能力比擬弱，進入市場的門檻比擬低，市場競爭的劇烈也增加, 這些都不利于中小企業(yè)的開展壯大。第二個，從銀行方面來看，對于中小企業(yè)的貸款條件更加嚴格，因為我們的銀行大局部是商業(yè)銀行，它也考慮自身的風險，自身的利潤。到2021 年末，小企業(yè)不良貸款率是11.6%，高于整個銀行業(yè)七八個百分點, 像國有的大企業(yè)，一旦出了問題，國家還會來并購重組，解決一些貸款難的問題，但是這些中小型的企業(yè)，特別小企業(yè)，一旦產(chǎn)生問題破產(chǎn)的話，就沒人管，所以銀行的貸款質(zhì)量就沒有方法得到保證，因此在這樣的經(jīng)營體制下，銀行為降低風險，必然會要求中小企業(yè)在提供了足夠的抵押物后才敢放款。另外銀行從運營本錢考慮，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。一個銀行經(jīng)營的本錢，有一半左右是勞動力本錢，做中小企業(yè)特別是做小企業(yè)的勞動力本錢非常高，無論是五百萬還是五千萬，是五個億還是五十個億的一筆貸款，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，中小企業(yè)融資渠道太窄，中小企業(yè)在資本市場上直接融資的途徑有證券市場、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、風險投資基金，以及債券市場等等。而自從2021 年9 月25 日，中小板市場華昌化工發(fā)行之后，證監(jiān)會便關(guān)閉了IPO 大門， 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，對于很多企業(yè)來說，仍然是一種奢望。在海外，中小企業(yè)成長過程中的融資不僅僅依靠銀行的貸款，很多時候是獲得風險投資或者創(chuàng)投的幫助，然而我國的中小企業(yè)在成長中，根本無法獲得這樣的融資。深圳擁有3000 家創(chuàng)投公司，注冊資金達6000 億，但沒有公司愿意投資給創(chuàng)業(yè)初期的企業(yè)。這些公司更多的時候只是看中比擬成熟、能上創(chuàng)業(yè)板和證券市場的企業(yè)。三、中小企業(yè)融資難解決之道( 一) 從政府角度而言1、政府應(yīng)該放松管制，降低市場準入壁壘，讓更多的小銀行，以效勞中小企業(yè)為戰(zhàn)略定位的那些小銀行能夠蓬蓬勃勃的開展起來?，F(xiàn)在我國有大概一百多家村鎮(zhèn)銀行，村鎮(zhèn)銀行的成立對改善縣經(jīng)濟投資的瓶頸，包括改善中小企業(yè)和支持三農(nóng)開展將會起到非常重要的作用。對現(xiàn)有五大國有銀行, 應(yīng)鼓勵其大力開展自己有利于小企業(yè)融資的專門機構(gòu)，放松其下設(shè)分支機構(gòu)的審批環(huán)節(jié)，鼓勵它們在地、縣，甚至鄉(xiāng)，來提供更接近、更方便的金融效勞。2 、政府應(yīng)該幫助銀行建立一個信用體系，進一步降低他們的信息本錢，在我國，央行從1998 年起就開始啟動了企業(yè)征信體系建設(shè)，由專門機構(gòu)采集、保存、整理、分析、使用企業(yè)的信用信息，以防范信用風險，保持金融市場穩(wěn)定。2006 年開始，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構(gòu)沒有信貸關(guān)系的中小企業(yè)。當然，信用體系也不是只靠政府，現(xiàn)在有一些網(wǎng)絡(luò)公司，比方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，這個信用指標如果出來了以后，可以進一步降低銀行的信息本錢。3 、政府應(yīng)該多方面的對銀行進行風險補償, 目前各地出臺的利益補償機制和風險補償基金政策，僅僅是解決中小企業(yè)融資難的一種方法，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%，而整個銀行業(yè)，平均的水平是百分之二點一幾， 而風險補償金，只是給0.8 個百分點， 只解決一小局部。因此需要多方面的對銀行進行風險補償。例如但凡給中小企業(yè)貸款的，那么就根據(jù)銀行的貸款量，減少它的稅收，減少營業(yè)稅、所得稅; 國家可以幫助企業(yè)貼息，提高銀行風險收益; 如果貸款形成損失，政府用風險補償基金把它補起來，這就使大企業(yè)的貸款和中小企業(yè)的貸款能夠到達比擬收益率是根本平衡的。4 、政府應(yīng)該積極推進多層次資本市場體系建設(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，所處的開展階段不盡相同，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，比方銀行貸款、債券融資、股權(quán)融資等等。我國2 0 0 4 年深圳交易所創(chuàng)立中小板,通過推動資本、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)，也為促進產(chǎn)業(yè)結(jié)構(gòu)的升級發(fā)揮了積極的作用。09 年10 月，創(chuàng)業(yè)板正式啟動。創(chuàng)辦板推出將為自主創(chuàng)新的企業(yè)提供有效的監(jiān)管機制，推動一批中小企業(yè)邁上新的開展臺階。但對于更多中小企業(yè)而言還達不到上市的條件，解決這類企業(yè)股權(quán)融資、股份流轉(zhuǎn)需要一個有效的場外市場。在2006 年開始，我國啟動了非上市股份公司進入證券公司掛牌交易的試點工作。此外政府應(yīng)大力推動債券市場的開展，為中小企業(yè)債券融資提供更多的便利，在興旺市場國家，債券融資是企業(yè)主要的融資方式，以美國為例，2021 年，美國的公司債券發(fā)行額是同期股票發(fā)行額的5倍，與美國、歐洲等國家和地區(qū)相比，我國債券市場還有很大拓展的空間。( 二) 從銀行角度而言如果依靠我國銀行業(yè)的現(xiàn)有金融產(chǎn)品和對中小企業(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)正在通過組織架構(gòu)創(chuàng)新，風險管理技術(shù)創(chuàng)新，擔保抵押創(chuàng)新，和產(chǎn)品創(chuàng)新等多種途徑改變中小企業(yè)融資難的現(xiàn)狀。1、擔保抵押創(chuàng)新。抵押品缺乏是中小企業(yè)最大軟肋, 他們不可能買一堆房子然后準備做擔保，這是不現(xiàn)實的，對于高新企業(yè)而言核心的資產(chǎn)應(yīng)該是他們的知識產(chǎn)權(quán)， 專利權(quán)和一個在技術(shù)、在市場上創(chuàng)新的團隊，是最重要的資產(chǎn)，可以使他們每年高速增長，但是資金就像血液一樣支撐其開展，這幾塊都需要資金，而抵押物缺乏，銀行不給放貸。目前全國很多省份的中小銀行都開展了面向中小企業(yè)的金融創(chuàng)新實驗，如江蘇農(nóng)信社廣泛推廣倉單質(zhì)押，通過庫存產(chǎn)品作為抵押取得貸款；天津濱海農(nóng)村商業(yè)銀行積極開展企業(yè)股權(quán)質(zhì)押貸款; 北京銀行新近推出知識產(chǎn)權(quán)作為質(zhì)押從銀行獲得貸款。2、信用評級創(chuàng)新。大銀行做業(yè)務(wù)的時候，通?？促Y產(chǎn)負債表、損益表、現(xiàn)金流量表，中小企業(yè)有的連這三表都沒有，銀行信息本錢很高，導致惜貸, 浙江泰隆商業(yè)銀行進行創(chuàng)新, 他們就看水表、電表、海關(guān)報關(guān)表，大量降低本錢，使得小額貸款還能夠有錢可賺。又如深圳開展銀行, 他們通過關(guān)注企業(yè)交易對手的信用，關(guān)注企業(yè)的真實性， 選擇了一種新的對企業(yè)的信用評級方式。在對企業(yè)的信用評級方法里邊，對企業(yè)自身的信用評級權(quán)重只有15，更加關(guān)注交易對手和交易的真實性。大局部企業(yè)都是在貿(mào)易鏈中，在供給鏈中生存的，它一定有上游的原材料供給和下游的產(chǎn)品或者是半成品的效勞或者是運輸或者是物流的管理，那么在這個過程當都能夠檢索到企業(yè)的信用記錄，用這些東西就可以比擬容易的選擇到好的重信用的有真實貿(mào)易背景的這些企業(yè)，向其提供足夠好的效勞，調(diào)動各種各樣的金融工具，在企業(yè)開展的過程中，深開展也創(chuàng)造了利潤。3、業(yè)務(wù)流程創(chuàng)新。我國商業(yè)銀行大都是官辦的銀行，習慣在房子里坐等客戶，一筆貸款要審批一個月、三個月，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)金融效勞，也不可能來改善中小企業(yè)的融資困難。銀行一方面要降低門檻，另一方面必須簡化程序、減少環(huán)節(jié)，建立高效的審批機制, 這樣才能適應(yīng)小企業(yè)對信貸資金短、平、快的要求。中國銀行四月底推出了信貸工廠。就是把銀行當作工廠，中小企業(yè)是原材料，進入流水線后經(jīng)過營銷、銷售、業(yè)務(wù)申報、審批、支用、客戶維護和貸后管理，獲得貸款。而銀行也不是一個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環(huán)節(jié)，批量生產(chǎn)。通過這樣的方式簡化審批的流程。通過這種流程安排使其對于中小企業(yè)信貸審批的周期從過去2、3 個月，縮短到現(xiàn)在的3、5 天。4、加強人員培訓。在機制建設(shè)以后就要有一批人能夠做這件事情，而且把它做得很好，這就要加強員工的培訓，進一步加強對中小企業(yè)、微小企業(yè)貸款以及高新技術(shù)的中小企業(yè)的貸款工作的培訓和交流的力度，加大整個產(chǎn)品應(yīng)變研發(fā)的力度，用新的鼓勵約束的方法來培養(yǎng)一支專業(yè)的隊伍和新的效勞文化。(三) 從企業(yè)角度而言1、企業(yè)應(yīng)加強管理、提高素質(zhì)。要正確認識當前形勢，正視風險，樹立靠管理求效益、謀開展的觀念, 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)量改良和品牌建設(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。努力節(jié)能降耗、降本增效、增收節(jié)支。加大市場開拓能力，降低“產(chǎn)成品、應(yīng)收賬款兩項資金占用，加快資金周轉(zhuǎn)。通過轉(zhuǎn)變開展方式，不是單靠產(chǎn)量的擴張，而是靠質(zhì)的提高實現(xiàn)工業(yè)增加值的較快增長。2、企業(yè)應(yīng)加強誠信體系建設(shè)，建立標準透明的管理制度，建立真實可信的財務(wù)報表，積累企業(yè)的信用制度。綜上所述, 中小企業(yè)的融資是一個全球性的難題，也是一項系統(tǒng)工程，需要各方的共同努力，也更需要中小企業(yè)自身的管理進步，這件事情不管它的前進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)的融資難題奉獻自己的智慧和力量，轉(zhuǎn)變觀念，進行大膽創(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越走越寬廣，我們的前景也會越來越美好。Sme financing problems related to the analysisFirst， small and medium-sized enterprise financing statusReform 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 2021 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 people's livelihood, stable target. In this sense, the international financial crisis under the impact of China's 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 analysisSme loans and financing is a cosmopolitan should say, see, both from China, and 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, it's 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 2021, 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 m&a, 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, 2021, 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 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 3,000 venture company, with a registered capital of 6,000 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 government1, 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 alibaba in online transaction information into small and medium-sized 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 compensation, the local interest risk compensation mechanism and policy, just compensation fund is to solve the sme financing way, and cannot be fundamentally solved. As to the end, fujian province of bad loans is small loans 6.71%, but the average level of banking, is a two percent, while a few risk compensation, just to 0.8 percent, only a small part. So many of bank risk compensation. As all of the loans to small and medium-sized enterprises, then according to the bank loans, reduce its tax, business tax, income tax reduction, Countries can help enterprises to improve bank interest, risk and return, If the loan losses, the government formed by risk compensation fund to patch up it, this makes big business loans and small and medium-sized enterprise loan to achieve the balance is the basic yields.4, the government should actively promote the multi-level capital market system, in order to better satisfy all kinds of small and medium-sized enterprises include the financing needs of enterprise. Different types of small and medium-sized enterprises, the development stage is endless and same, determines the sme financing needs is not the same. So small and medium-sized enterprise groups of differentiation determines the diversified financing needs, then satisfy sme financing demand also needs the various forms of financing mode, such as bank loans, bonds, equity financing, etc. 2 0 0 to 4 years in shenzhen stock exchange medium plate, founded by promoting capital, technology, management, and the effective factors of high quality as cultivating board, also to promote the upgrading of industrial structure is playing a positive role.In October 2021, gem officially launched. Founded board will provide for independent innovation, promoting effective supervision mechanism of small and medium-sized enterprises in the new development stage. But for more than for small and medium-sized enterprises are listed to solve this kind of condition, enterprise's equity financing, stock transfer to a valid the over-the-counter market. In 2006, China launched fei joint-stock company listing for trading of securities companies entering the pilot work. Besides the government should vigorously promote the development of the bond market, bond financing for small and medium enterprises to provide more convenient, in the developed countries, the bond market is the main financing, financing, in the United States, for example, 2021, the company bonds is circulation stock circulation of 5 times, with the United States, Europe and other countries and regions in the bond market, also has the very big development space.(b) from the bank AngleIf rely on the existing in banking financial products and sme loans, to solve the difficulty in financing smes is impossible, we cannot change the present situation of small and medium-sized enterprises, so we would change our bank credit, financial innovation is imminent. Currently banking is through the organization innovation, risk management technical innovation, innovation, and security collateral product innovation so as to change the status of financing for smes.1，guarantee mortgage innovation. Collateral shortage is small and medium-sized enterprise biggest soft rib, they could not buy a heap of the house and then prepare for security, it is not realistic to high-tech enterprise, as the core of assets should be their intellectual property rights, the patent right and one on the market in technology, creative team, is the most important asset, can make their annual growth, but the capital like the blood to support its development, as well as several pieces of the mortgaged property, but all need money to lend, bank. The small and medium-sized Banks are many provinces in the face of financial innovation of small and medium-sized enterprises, such as jiangsu cooperatives experiment widely warehouse inventory impawn, through a mortgage loan product, Tianjin coastal rural commercial bank actively carry out enterprise shareholding pledge loan, Beijing bank recently launched intellectual property as a pledge from the bank for a loan.2，credit rating innovation. Big Banks do business of time, usually see a balance sheet, an income statement and a cash flow statement, small and medium-sized enterprises have even these three tables are not high, the bank information costs, zhejiang tyrone arisen, commercial Banks, they look for innovative water meter, customs declaration form, large, reduce cost, still can make small loans to earn enough money. Like shenzhen development bank, by focusing on their opponent's credit transaction, the authenticity of the enterprise, choose a new way of enterprise's credit rating. For enterprises in the credit rating method for enterprise itself, the credit rating weight only 15%, pay more attention to the authenticity of the trading counterparty and. Most enterprises are in the supply chain of trade, survive, it must have upstream and downstream of the raw material supply semi-finished products or services or transportation or logistics management in this process, so as to retrieve the enterprise credit record, these things can be easier to choose good credit are true of the enterprise, trade background to provide enough good service, mobilize various financial tools, in the process of enterprise development, ShenFaZhan also created the profits.3, business process innovation. Our country commercial bank, the bank is mostly official in the house, wait for a loan to customers approval for a month, three months, such a kind of management, such an examination result is impossible to small and medium-sized enterprise financial services, it is impossible to improve the financing difficulties of small and medium-sized enterprises. Banks to reduce threshold, the other is to simplify the process, reduce link, establish examination mechanism, so as to adapt to the credit fund is short and small, fast. The bank of China on April introduced credit factory. The bank is a factory, small and medium-sized enterprises is raw material, into the line after the marketing, sales, and service, with approval, and customer maintenance and post-loan management, obtain loans. But Banks are not a person from beginning to end, but complete all seven groups, each worker sent a link on guard line and batch production. Through the way of examination and approval procedures simplified. Through this process to make sure that the smes' credit approval from the cycle over the past 2, 3 months, shorten to 3, 5 days now.4, strengthening the training of personnel. After construction in mechanism to have a group of people to do it, and do it well, it is to strengthen the training of the staff, further strengthen the sme, small business loans and high-tech smes job training and the loan of communication, increasing the entire product r&d efforts, with the strain of new incentive and restraint measures to cultivate a professional team and the new service.(c) from the Angle of enterprises1, enterprises should strengthen management, improve quality. To correctly understand the situation, face, establish the risk by management effectiveness and development idea, must pay more attention to technical innovation, technological innovation, pay attention to the new product developmen