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寧波翻譯公司關(guān)鍵字：First, SMEs lag system updates, conversion is not synchronized with the market environment. SMEs in China through the 1980s and 1990s in the extensive growth, still remain in the traditional way of enterprise management, enterprise system update lag. SMEs in China mainly includes four parts: the reform and opening up to the stage after the formation of collective enterprises and individual industrial and commercial households, private enterprises, small and medium enterprises is still the subject of more than 2000 million; state-owned enterprises under the "encounter" policy專業(yè)翻譯公司收費(fèi)價(jià)格 through contracting, leasing, sale, restructuring, etc. released a number of small and medium enterprises converted into other types of state-owned enterprises; "Company Law" since the implementation of categories of natural persons, legal persons set up limited liability companies, shareholding companies and foreign, about 500,000; historical part of the state-controlled SMEs, about 150 million or so. Currently, many private small and medium enterprises is still in place corporate governance structure of family management; the governance structure of state-owned SMEs in the traditional large-scale state-owned enterprises with no essential difference; part of the township collective enterprises have the drawbacks of the old state-owned enterprises, some evolved into a family-owned enterprises; The so-called restructuring of many companies is still not standardized, especially in some enterprise restructuring is aimed at evasion of bank debts, the real characteristics of a modern enterprise with limited liability corporation, and a lower proportion of foreign-funded enterprises. At the same time, the external environment for SME development has undergone major changes, the most prominent changes in the market and changes in national development strategies. Market structural surplus, the pattern of years of a seller's market into a buyer's market, the state in economic專業(yè)翻譯公司服務(wù)最好的 development, more emphasis on economic專業(yè)翻譯公司服務(wù)最好的, social and environmental sustainable development strategy, more attention to economic專業(yè)翻譯公司服務(wù)最好的 development, social stability and harmony between resources and the environment . As the system update lag, scientific management, some SMEs meet the external environment changes, operational difficulties, a large number of the product backlog, the profit level decreased significantly reduce the accumulation of internal and external sources to add a substantial increase in capital requirements, so the bank Loan demand. In addition, many SMEs lack of transparency of financial information, credit consciousness, increased the risk of bank loans.
Second, the financial system is not in-depth, bank management and uncoordinated development needs of SMEs. Aspects of the financial system, China's banking industry正規(guī)翻譯公司公證處翻譯蓋章 after years of reform, basically formed as the main state-owned commercial banks, a variety of common development of banking institutions. SME loans to solve the city, our country有資質(zhì)的正規(guī)翻譯公司哪個(gè)好 in the 1980s have established a large number of urban credit cooperatives, urban credit cooperatives, the end of 1989 the number reached more than 3330, but due to imperfect credit system itself and the Tao Feizhai is serious business專業(yè)英語翻譯公司科技文件翻譯哪里最好, a large number of non-performing loans, 1990, 1993, after two rectification, still no significant improvement in the 1995 municipal credit cooperatives will be formed into city commercial banks. Can be seen, there is no awareness of system security and enterprise credit support, the formation of more bank loans for SMEs can not solve the problem, but can only increase the risk of the financial system. Meanwhile, the state-owned commercial banks, market-oriented reform is not complete, and the gap between modern financial enterprise system far, focused on the performance of incentive and restraint mechanism is not perfect, and short-term business專業(yè)英語翻譯公司科技文件翻譯哪里最好 objectives, reflecting the impact of market sensitivity, can not adapt to finance for SMEs demand characteristics.
In bank management, along with commercial banks, the market continues to deepen, the equality between banks and enterprises trading position of the main market growing, banks continue to enhance risk prevention mechanisms, in particular, the 1998 Asian financial crisis, financial system risk issues by the central government政府許可的定點(diǎn)正規(guī)翻譯公司's attention. To reduce non-performing assets of banking, commercial banking loans to the extensive type of management, in general, the loan authority, strict procedures and conditions for loans, pay attention to the financial condition and credit status of the study and asked to provide collateral and guarantees. However, some banks to strengthen the internal
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