2.中小企业金融创新策略.doc

2.中小企业金融创新策略 Small and medium-sized enterprise financial innovation strategy 金融创新的具体内容包括：金融业务创新、金融市场创新和金融制度创新。在此过程中，应引进或创造先进的金融制度、金融业务和金融机构，消除传统金融业经营中的弊端，为金融业的发展迎来更加广阔的空间。 Financial innovation the concrete content includes: financial business innovation, financial market innovation and financial system innovation. In this process, we should introduce or create advanced financial system, financial business and financial institutions, to eliminate the shortcomings of traditional financial management, for the development of finance industry have more extensive space. 金创新是解决中小企业融资问题的必要途径对融资困难的中小企业而言，抓住目前金融创新的融机遇是一个必然选择。只有建立健全金融创新中的信用担保体系，发展新型金融机构，开拓新型金融产品，完善新型金融服务，并建立与之相适应的监督机制，才能使中小企业走出融资难的困境。 Financial innovation is the financing of small and medium enterprises to solve problems necessary means of financing difficulties of small and medium-sized enterprise is concerned, seize the current financial innovation opportunity is an inevitable choice. Only by establishing the financial innovation of the credit guarantee system, development of new financial institutions, develop new financial products, improve the new financial services, and establishing conesponding supervision mechanism, then can make the small and medium-sized enterprise out of the difficulty in financing difficulties. 中小企业金融创新可从以下几个方面着手： Small and medium-sized enterprise financial innovation from the following several aspects: （1）信用担保体系的创新 Credit guarantee system innovation 要解决中小企业信用缺失问题，应从建立健全企业信用评价、信用征集及信用发布等一系列制度入手，形成统一、权威、可靠的企业信息平台，改善不对称的信息环境。在贷款审批环节中，金融机构应针对中小企业的特点建立灵活的信用管理模式，通过贷款方式的创新，将金融风险控制在贷款前。应建立政府担保、商业担保与联合担保多种形式并行的担保机制，共同分担银行的借贷风险，提高银行放贷的积极性。要进一步降低贷款利率，加快放款速度，更多地依靠IT。同时应减少抵押，也减少担保，把业务量做足，并且寻求扩大杠杆，加快资产周转的速度。此外，应积极建立再担保机构，通过贷款保险等业务的创新，为政策性担保机构提供风险补偿。 To solve the problem of small and medium-sized enterprise credit deficiency, we should establish and perfect the enterprise credit evaluation, credit solicitation and credit by a series of system, the formation of a unified, authoritative, reliable