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衢州翻譯公司關鍵字：control system, the lack of technical means to carry out credit and marketing incentives to simply adopt a collateral-based credit rationing means, do not pay attention to nurturing promising small and medium enterprises, to a certain extent by increasing the financing difficulties of SMEs.
Third, the financial measures to promote SME developmentImprove financial services for SMEs, strengthen credit support to SMEs should focus on the following three measures.
First, improving the SME system, a sound governance structure. At present, the prevalence of SME financial system is not perfect, the authenticity and accuracy of financial reporting is low, the phenomenon is difficult to protect the interests of banks, which are often due to inadequate corporate governance structure. The establishment of modern enterprise system, improve their quality of SME loans is to solve an important way. SMEs should promote diversity and social system, to achieve the rationalization of the governance structure. State-owned SMEs to implement a proactive exit strategy, restructuring and reorganizing the way to go; of the private sector to guide the direction of capitalist society, changing family management, absorb modern enterprise system and management system elements; for collective enterprises to promote the reform of property rights, clear property relations. Should regulate the financial system, in accordance with relevant state regulations, to establish accurately reflecting the financial condition of the system to increase the financial transparency of the two companies are deepening the reform of commercial banks, improve the financial enterprise system. To change the bank loans to SMEs in the constraints, we must deepen the reform of commercial banks, the establishment of a modern financial enterprise system. The third plenum of the party also clearly stated goal of deepening the reform of financial enterprises, should be transformed into commercial banks with adequate capital, strict internal control, safe operation and service benefits are good modern financial enterprises, and in selected state-owned commercial joint-stock banks, speed up the disposal of bad assets, substantial capital, to create the conditions listed. At present, commercial banks should continue to improve internal control mechanisms and improve risk management techniques, on this basis, simplifying approval procedures, development of varieties of credit, improve service levels to meet the reasonable capital needs of SMEs.Third, cultivate a good credit environment. SME financing always inseparable from the "credit" word, without a good credit culture and healthy credit environment, SMEs find it difficult to carry out financial and credit markets led to inefficient allocation SME non-performing loan ratio is much higher than large corporate non-performing loan ratio. Weak for the current issue of social credit, small and medium enterprises should establish a sound credit system, strengthening the credit culture. Credit should be nurturing the entrepreneurial awareness, advocate and promote the concept of credit in the "borrowed has" a good credit environment, to improve the relationship between banks and enterprises. SME credit information platform should be established to achieve the socialization of management and supervision of credit for SMEs. Should also increase the penalties for corporate defaults. To reduce the incidence of default, we must increase the penalties for breach of contract, breach of contract's breach of contract to increase the cost, seriously punish evasion of bank debts of the company and its principals
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