高校问答河庄:翻译，应急（一）！！！
来源：百度文库 编辑：高校问答 时间：2024/04/29 17:57:30
based on our research, we believe that to solve the problem of financing difficulty of the nes, our way of thinking needs to be changed. as reality shows, although the superficial cause of financing difficulty is the narrow financing channel, the deep-rooted reasons lie in the system and the mechanisms. such problems cannot be solved only by issuing policies, they will be solved by deepening the financial system reform and accelerating institutional adjustment in a comprehensive way based on the overall situation of national economic and social development.
in our research, the problems that were most prominent and caused most concern mainly lie in the following areas:
first, the number of small and medium-sized non-governmental commercial banks is extremely small. at present, what the smes need is not the discriminative services with "official business" features provided by the four large state banks, but the small and medium-sized commercial banks that have flexible mechanisms and are able to tailor excellent services to smes. the financial community service model created in places including taizhou of zhejiang province, extends services of local small and medium-sized financial institutions to numerous sebs, and creates a "win-win" situation between enterprises and financial institutions. currently, the total volumes of deposits and loans in this area have all exceeded those of the state banks, and the quality of their credit assets is remarkably satisfactory. this kind of local successful experience is extremely valuable to our research into china’s banking system restructuring and the overall development strategy.
second, the capital market has no financing channel available to smes. at present, china’s capital market is highly concentrated in the shanghai and shenzhen stock exchanges that provide financial services particularly for large enterprises. smes cannot enter such markets. if they are taken as one of the major driving forces to economic development for a long time, the present structure of capital market must be reformed.
in our research, the problems that were most prominent and caused most concern mainly lie in the following areas:
first, the number of small and medium-sized non-governmental commercial banks is extremely small. at present, what the smes need is not the discriminative services with "official business" features provided by the four large state banks, but the small and medium-sized commercial banks that have flexible mechanisms and are able to tailor excellent services to smes. the financial community service model created in places including taizhou of zhejiang province, extends services of local small and medium-sized financial institutions to numerous sebs, and creates a "win-win" situation between enterprises and financial institutions. currently, the total volumes of deposits and loans in this area have all exceeded those of the state banks, and the quality of their credit assets is remarkably satisfactory. this kind of local successful experience is extremely valuable to our research into china’s banking system restructuring and the overall development strategy.
second, the capital market has no financing channel available to smes. at present, china’s capital market is highly concentrated in the shanghai and shenzhen stock exchanges that provide financial services particularly for large enterprises. smes cannot enter such markets. if they are taken as one of the major driving forces to economic development for a long time, the present structure of capital market must be reformed.
基于我们的研究, 我们相信解决供给～经费旧姓者的困难问题，我们想需要被改变的方法。就如真实表示的,虽然供给～经费的表面因素困难是狭窄的融资频道，但是根深蒂固的理由在于系统和机制。 如此的问题不能够只被藉由发行政策解决,他们将会被藉由加深一个以国家经济的和社会的发展全部情形为基础的包罗万象的方法财政的系统改革和加速的制度调整解决。
在我们的研究方面，显着的并且主要地引起了大多数的关心大部分的问题在于下列的区域:
首先，小的和中型非政府商业银行的数字极端小。 目前, 什么 smes 需要不是和 " 官方的生意 " 由四个大的州银行提供的特征有识别力的服务 , 但是小的和中型的有有柔性的机制，而且能够缝制对 smes 的优良服务的商业银行。财政的社区服务在包括浙江省的台州的地方中被产生的模型,把地方小的和中型的财政机构的服务扩充到很多的 sebs, 而且产生在企业和财政的机构之间的一个 " 双赢 " 情形。 现在，存款和贷款的总体积在这一个区域中全部已经超过那州银行的那些，而且他们的信用资产的质量显着满意。 这种地方成功的经验对深入对磁器的银行业系统更改结构和全部的发展策略的我们研究极端地是有价值的。
其次, 资金市场没有融资有引导吗可得的到 smes。 目前，磁器的资金市场在弹弓和深圳高度地被集中存货提供财政的服务特别地给大的企业交换。 smes 不能够进入如此的市场。 如果他们对经济的发展有很长的一段时间被轮流如主要的驾驶之一军队, 资金市场的现在结构一定是改革过的。