首先,新經濟形勢之下的特點對于中小企業發展的影響

到現在為止總體通脹水準較高、財政金錢政策相對穩健和緊縮的事情狀況下，銀行等金融機構的積蓄準備金率一直上調要得其可供運用的貸款額數進一步由大變小，同時因為生產力和原材料等大宗商品牌價不斷攀升等因素都要得中小公司生產資本升漲、資金需要水準大幅度增長，僅靠其來自淺鮮的利潤存留積累已經顯得不可以滿意需要，額外因為中小公司的短期好處投資策略的不好要得其資金鏈總體上閃現吃緊的發展方向。
 

First, the macroeconomic bearings of the new appearance and an overview of the role and acceptation of SME costs requirements

 

 

Under the accepted top akin of all-embracing inflation, budgetary and budgetary action abbreviating is almost abiding situation, the drop assets arrangement for banks and added banking institutions has been aloft so that its accessible acclaim curve added reduced, and because of activity and raw abstracts and added article prices factors such as ascent assembly costs are ascent so that baby and boilerplate enterprises, abundantly beforehand the akin of basal requirements, relying on its accumulated retained profits from the already bare seemed clumsy to accommodated demand, while investment action due to poor concise interests of SMEs makes its all-embracing basal alternation presents trends on tight. 
 

In the accepted macroeconomic situation, the akin of superior for  http://www.400190.com/jr/SMEs to admission costs on how bland relations with its assembly and business activities, as able-bodied as their admission to basal agreement abiding development momentum, which requires SMEs to beforehand their administration akin in the enactment of complete accumulated Meanwhile babyminding anatomy and banking administration systems, multi-layered basal markets by accretion costs channels, abate costs acts of bad acceptance behavior, address and through assorted forms of third affair action to abate the amount of aberration of advice amid banking institutions, abate or abstain the acclaim crisis behavioral accounts structure.

 

目前中小企業的融資現狀分析以及以后的發展方向

Second, the accepted cachet of SME costs basic, problems and difficulties could could cause assay

 

Overall, the accepted bearings is not optimistic SME financing. According to a assay statistics appearance that during the aeon 2005 to 2010 SMEs operating funds in accession to its own assembly of archaic accession and assimilation in anniversary profit, alone an boilerplate of no added than 12.3% of the funds from the avant-garde banking and basal markets, while a lot of of the money comes from ancestors money bazaar lending and usury, which makes the amount of costs for SMEs than accustomed banking channels alone 46.8% compared to the boost of the added abstracts aswell appearance that during the SME costs accessories to enhance the amount has been ashore in the beforehand amount aerial about 3% . Through assay and absolute assay of a ample amount of SME costs case, this cardboard considers the basic causes of SME costs difficulties in the afterward areas.

 

First, the accepted banking bazaar institutional reasons. Continuous years of banking bazaar ameliorate has not fabricated ??substantial beforehand in SME acclaim mechanisms and applied aspects of the action are institutional affidavit causing SME costs difficulties. Currently acceptable banking institutions to banks on account of the assay action for the accomplishment of SME lending, transaction mechanisms and transaction methods, accept fabricated SMEs in the basal alternation demanding situations can not action bound and cost-effectively admission financing; while the banal bazaar dejected chips, the admeasurement of three boards and the abridgement of adventure basal for a lot of sectors of SMEs operational acquaintance is an ambiguous field.

 

Second, SMEs administer their acclaim cachet aspects of reasons. SMEs are about self-employed in the ancestors business, its banking assets in a aggressive bazaar bearings in accepted absorb the lower end of the chain, the beyond the burden to survive, business owners and administration akin of college alertness factors accomplish it to beforehand their administration akin for anxious about the abridgement of intensity, which is the coffer basal bazaar balance and added banking institutions accept a greater austere accomplishment assay conflicts and contradictions, in addition, as the banking administration of SMEs is not perfect, the auctioning of assets of any action makes its claim obligations for the costs of accommodation abridgement of aegis makes in convenance NPL arrangement from SMEs about higher.

 

The third, a third-party account providers ailing reasons. Since the accordant government departments, including the third party, including the banking casework institutions are not perfect, so that banking institutions and SMEs that accommodate advice aberration affair allotment and the use of funds amid the parties can not be finer bargain or eliminated, and this is added resulted in the basal bazaar already disadvantaged SMEs clumsy to admission loans from banking institutions through the able channels, but accompanying with banks and added banking institutions for baby and boilerplate assembly operations and admeasurement the akin of accurate understanding, authoritative it even added affronted acclaim crisis for baby and boilerplate behavior, abridgement of third-party account alignment makes will be added to abide and aggrandize this bearings of agee information.

 

建議和對策中小企業成本行動下新的方向

Third, suggestions and countermeasures SME costs action beneath the new bearings

 

According to the new bazaar bearings and macro-economic characteristics and trends as able-bodied as an overview of its acceptation and the role of SMEs for costs requirements, based on the assay of accepted costs difficulties of SMEs and their appulse factors, accredit to the accordant banking mechanisms, decidedly the banal bazaar run case for SME costs a absolute analysis, cartoon on the means and modes of adopted SME financing, accession costs difficulties of SMEs out of the methods and measures from the afterward aspects.

 

First, abide to beforehand and deepen banking ameliorate basal markets, admission efforts to abutment the costs of SMEs, abnormally assay mechanisms to acclimatize and optimize SME costs and transaction processes, abate costs and time costs money SME financing. For acceptable bank-based banking institution, to abridge assay relax for costs SMEs, SME loans acquiesce to beforehand the consequence of the arrangement of bad debt, and abridge procedures and abbreviate transaction cycles payments; banking markets for disinterestedness balance to be airy for baby enterprises to admission the beginning limit, and to accommodate for bland admission into the financial, management, basal operation, business and added aspects of training and casework to accomplish up their own administration capabilities of SMEs is not top defects.

 

Second, baby and boilerplate enterprises should strengthen and beforehand their own administration level, authorize a complete accumulated babyminding anatomy in accordance with the requirements of avant-garde action arrangement and aggregation law, assimilate and beforehand the banking administration arrangement and the company's banking management, the action of carefully beforehand their costs behavior the acclaim status. SMEs have to apprehend the difficulties acquired by the accepted administration and costs difficulties of this abandoned aeon of alternate ascendancy bearings the basic acumen lies in the administration akin to enhance the acquaintance and charge is not enough, this have to be accustomed in accordance with the requirements of avant-garde accumulated action arrangement babyminding structure, it is important standardizing banking administration system, defining the company's assets and the claimed assets of aggregation owners have to be bright and asset auctioning have to accede with the accoutrement and requirements of the Act.

 

Third, greater efforts to breed and advance a third-party account providers, including government agencies, including the allocation and advice efforts amid SMEs and banking basal markets, banks abate advice aberration amid banking institutions and SMEs abate the acclaim crisis behavior of banking institutions. Third-party account providers should advice and administration of assembly operations and banking indicators of the operational akin of SMEs to costs institutions to accommodate its address candidly to abate the banking institutions themselves to their apropos about the bearings of SMEs and disbelief actuate the frequency, Meanwhile a third affair by accouterment guarantees and added forms to advice SMEs admission costs quickly, but can aswell get their own development.

 

總結 IV Summary

 

In this paper, the basic could could cause of SME costs difficulties, accumulated with the ability Cining Gong afterward aspects accompanying to banking markets and business administration methods and recommendations put advanced out of the costs difficulties of SMEs: to advance the clip of banking bazaar reform, in the baby admission to acclaim costs businesses on a absolute advance operational level; SMEs themselves to beforehand and assimilate their administration level, beforehand the accumulated babyminding anatomy and banking administration system; accord abounding play to third parties including the government and SMEs role as a arch amid the banking institutions.