金融危机下亚太地区中小企业融资：现状、挑战和趋势亚太财.pptxVIP

Session 1: SMEs Financing in the Asia-Pacific Region amid the Financial Crisis: Status, Challenges and Trends 第一节：金融危机下亚太地区中小企业融资： 现状、挑战和趋势 Dr Chris Hall CEO, Comnami, PECC SME Network LeaderChris.Hall@;Background Framework Profile of SMEs 中小企业背景介绍 2. The context of the 2008 Financial Tsunami 2008金融海啸情况介绍 3. Financing trends for SMEs in APEC 亚太地区中小企业的融资趋势 4. The impact of the 2008 Financial Tsunami on SME finance 2008金融海啸对中小企业融资的影响 What have governments done to address the challenges? 政府的应对措施 6. A vision of what could be done better to address the challenges 如何更好地应对挑战？ Conclusion 结论;SMEs are important: they contribute about half the GDP, half the employment, and most of the job growth in APEC 中小企业作用重大：为APEC贡献了大约一半的GDP、一半的就业和大多数的新增就业岗位。 There is a major economic and financial crisis about every 6 or 7 years. The 2008 crisis is unusual in that it is affecting so many economies at the same time. The big impact on SMEs is probably not likely to be felt until 2009/2010 每隔六七年就会发生一次比较严重的经济和金融危机。2008年的危机的不寻常之处在于，它同时对众多经济体产生影响。其对中小企业的巨大影响很可能直到2009/2010年才感受得到。 SMEs have proved resilient in adapting to previous crises 经证明，中小企业在适应危机方面颇具韧性。 Banks are the largest source of finance to SMEs, and supply over half of SME finance 银行是中小企业最大的资金来源，为中小企业提供一半以上的融资。 There is a long term structural problem that real growth in bank finance has been low or negative. SMEs have been finding it harder to get bank finance for the last decade or so. 长期存在一个结构性问题，即银行融资实际上一直是低增长或者负增长。过去十年来，中小企业获得银行融资的难度越来越大了。 In the short term (12 - 18 months) the government and bank response is not likely to have much direct effect on SME Finance. 短期来看（12-18个月），政府和银行不可能给中小企业融资带来很多直接影响。 There is a now window of opportunity to improve the management of risk by banks in lending to SMEs, and improve management of SMEs by getting banks, ICT suppliers, telcos and governments to work cooperatively. 通过银行、信息技术提供商、电信运营商和政府的通力合作，现在有机会提高银行给中小企业贷款的风险管理水平，并且改进中小企业的自身管理水平。;1