導語：中小企(qi)業融資(zi)難問題及解(jie)決措施一(yi)文來(lai)源于網(wang)友上傳，不(bu)代表(biao)本站(zhan)觀點，若(ruo)需要原創文章可咨詢(xun)客服老師，歡迎(ying)參考。

[摘要]近年來，尤其是疫情當下，中小企業融資難、融資貴矛盾問題更加突出。如何通過有效的措施，解決中小企(qi)業融(rong)(rong)資難、融(rong)(rong)資貴(gui)問題，需要(yao)我們結(jie)合實際，創新產(chan)品(pin)和服務(wu)(wu)，做到“敢貸、愿貸、能貸”，提升(sheng)金融(rong)(rong)服務(wu)(wu)能力(li)，助力(li)中小企(qi)業與(yu)實體經(jing)濟發展。本(ben)文就重點分析中小企(qi)業融(rong)(rong)資難和融(rong)(rong)資貴(gui)的(de)原因，并(bing)結(jie)合自身工作體會(hui)談(tan)一些(xie)解決(jue)建議(yi)和對(dui)策。

[關鍵詞]中(zhong)小(xiao)企(qi)業；銀行信(xin)貸(dai)；信(xin)用(yong)體系；企(qi)業融資

企業融(rong)(rong)資(zi)(zi)(zi)無外乎(hu)股(gu)權(quan)融(rong)(rong)資(zi)(zi)(zi)和(he)債(zhai)權(quan)融(rong)(rong)資(zi)(zi)(zi)兩(liang)種方式(shi)。股(gu)權(quan)融(rong)(rong)資(zi)(zi)(zi)可以是(shi)公司(si)成(cheng)立初(chu)期的(de)各種風險(xian)投資(zi)(zi)(zi)，以及后期的(de)資(zi)(zi)(zi)本市場上市；債(zhai)權(quan)融(rong)(rong)資(zi)(zi)(zi)分為向銀行(xing)金(jin)融(rong)(rong)機構(gou)(gou)貸(dai)(dai)款(kuan)和(he)向其他非銀行(xing)金(jin)融(rong)(rong)機構(gou)(gou)融(rong)(rong)資(zi)(zi)(zi)。相對而(er)言，中小企業通過(guo)股(gu)權(quan)融(rong)(rong)資(zi)(zi)(zi)的(de)難度(du)要大(da)得多(duo)，而(er)向銀行(xing)貸(dai)(dai)款(kuan)是(shi)融(rong)(rong)資(zi)(zi)(zi)最常見的(de)方式(shi)。

融資難原因

——中小企業經營管理不規范。中小企業大多從小作坊、個體工商戶逐步成長起來，往往帶有較強的家族管理模式，這種經營模式下的中小企業往往建賬不規范，部門設置交叉或者一崗多責，內控管理缺少牽制，缺少現代企業管理。存在生產經營規模小、資金實力弱、產品缺乏研發團隊、市場競爭力比較弱等自身缺陷，應對市場風險等的抗風險能力弱。——社會信用體系不健全，對中小企業及股東或實際控制人的失信行為懲戒措施不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)足。在信(xin)用(yong)(yong)需求和交易不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)斷擴(kuo)大的(de)(de)情(qing)況下，中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)信(xin)用(yong)(yong)缺失(shi)問(wen)題(ti)頻繁暴露，不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)按期還款(kuan)(kuan)或惡意(yi)違(wei)約，致(zhi)使(shi)大量銀(yin)(yin)行(xing)貸(dai)(dai)款(kuan)(kuan)出現壞賬，逾期收(shou)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)回來(lai)。而(er)對相(xiang)關失(shi)信(xin)人(ren)(ren)員(yuan)(yuan)的(de)(de)懲(cheng)戒(jie)措(cuo)施治標不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)治本(ben)，比如部分失(shi)信(xin)人(ren)(ren)員(yuan)(yuan)的(de)(de)微(wei)信(xin)、支付寶被(bei)凍(dong)結(jie)，失(shi)信(xin)人(ren)(ren)員(yuan)(yuan)非法購買(mai)他人(ren)(ren)信(xin)息身份(fen)注(zhu)冊(ce)賬號照(zhao)樣(yang)使(shi)用(yong)(yong)。大數據不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)全的(de)(de)情(qing)況下，整個信(xin)用(yong)(yong)體系漏洞(dong)多，對失(shi)信(xin)人(ren)(ren)員(yuan)(yuan)的(de)(de)懲(cheng)戒(jie)措(cuo)施不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)嚴厲。在這種情(qing)況下，銀(yin)(yin)行(xing)提(ti)高對中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)的(de)(de)貸(dai)(dai)款(kuan)(kuan)審(shen)批標準，加(jia)上疫情(qing)對實(shi)體經濟的(de)(de)影(ying)響，致(zhi)使(shi)銀(yin)(yin)行(xing)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)愿(yuan)貸(dai)(dai)款(kuan)(kuan)，中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)融資(zi)也就(jiu)越來(lai)越難。——銀(yin)(yin)行(xing)提(ti)供信(xin)貸(dai)(dai)支持(chi)(chi)意(yi)愿(yuan)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)強。中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)普遍存在著(zhu)公司治理(li)(li)結(jie)構不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)完善、財(cai)(cai)務(wu)制度不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)健(jian)全、財(cai)(cai)務(wu)管理(li)(li)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)規范的(de)(de)問(wen)題(ti)，多數中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)沒有(you)脫(tuo)離家庭(ting)化(hua)管理(li)(li)模式。披(pi)露的(de)(de)財(cai)(cai)務(wu)信(xin)息真(zhen)實(shi)性核實(shi)困難，增加(jia)銀(yin)(yin)行(xing)調查(cha)成本(ben)和管理(li)(li)成本(ben)，并且因為中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)的(de)(de)廠房、設備缺乏(fa)有(you)效資(zi)產證明，向(xiang)銀(yin)(yin)行(xing)貸(dai)(dai)款(kuan)(kuan)時得不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)到支持(chi)(chi)。而(er)發放(fang)的(de)(de)貸(dai)(dai)款(kuan)(kuan)一旦出現風險，銀(yin)(yin)行(xing)工(gong)作人(ren)(ren)員(yuan)(yuan)就(jiu)可能因為貸(dai)(dai)前不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)盡職或貸(dai)(dai)后管理(li)(li)不(bu)(bu)(bu)(bu)(bu)(bu)(bu)(bu)到位等(deng)而(er)被(bei)追責，從而(er)惜貸(dai)(dai)、懼貸(dai)(dai)。

解決措施

——提(ti)(ti)(ti)高(gao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)自身(shen)管理(li)(li)(li)能(neng)力(li)(li)和團隊綜(zong)合(he)素質，讓(rang)銀(yin)(yin)行主(zhu)動(dong)(dong)找上門(men)來支持(chi)(chi)(chi)，增(zeng)強自身(shen)議(yi)價(jia)能(neng)力(li)(li)。一方(fang)面(mian)建(jian)(jian)立(li)現(xian)代企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)經(jing)營管理(li)(li)(li)制(zhi)(zhi)(zhi)度(du)，提(ti)(ti)(ti)高(gao)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)自身(shen)素質，有條件的(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)聘請專(zhuan)(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)管理(li)(li)(li)團隊和職(zhi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)經(jing)理(li)(li)(li)人管理(li)(li)(li)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，走(zou)“專(zhuan)(zhuan)精特(te)新(xin)(xin)”發(fa)(fa)(fa)展道(dao)路，提(ti)(ti)(ti)升(sheng)(sheng)自主(zhu)創(chuang)(chuang)新(xin)(xin)能(neng)力(li)(li)、加快轉型升(sheng)(sheng)級(ji)，提(ti)(ti)(ti)升(sheng)(sheng)市(shi)場競爭力(li)(li)；另一方(fang)面(mian)健全中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)財(cai)務(wu)制(zhi)(zhi)(zhi)度(du)，不做假賬(zhang)，客觀(guan)真實(shi)反映公司(si)(si)收(shou)入(ru)、支出(chu)及(ji)利(li)潤(run)水平，相(xiang)(xiang)關(guan)(guan)經(jing)營活動(dong)(dong)有據(ju)可(ke)查，提(ti)(ti)(ti)高(gao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)財(cai)務(wu)信(xin)息的(de)(de)(de)(de)(de)透明度(du)和可(ke)信(xin)度(du)。——各(ge)級(ji)政(zheng)(zheng)府主(zhu)管部(bu)門(men)、銀(yin)(yin)行金融(rong)(rong)(rong)(rong)(rong)(rong)機構加大(da)金融(rong)(rong)(rong)(rong)(rong)(rong)知識(shi)(shi)普及(ji)教育力(li)(li)度(du)，提(ti)(ti)(ti)升(sheng)(sheng)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)意(yi)識(shi)(shi)和能(neng)力(li)(li)。政(zheng)(zheng)府和相(xiang)(xiang)關(guan)(guan)金融(rong)(rong)(rong)(rong)(rong)(rong)機構綜(zong)合(he)運用(yong)各(ge)自專(zhuan)(zhuan)長，綜(zong)合(he)利(li)用(yong)貨幣(bi)(bi)、財(cai)政(zheng)(zheng)等政(zheng)(zheng)策(ce)工(gong)具，圍繞(rao)稅收(shou)、企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)發(fa)(fa)(fa)展規劃、融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)等方(fang)面(mian)多組(zu)織中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)主(zhu)及(ji)財(cai)務(wu)人員(yuan)(yuan)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)培訓和中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)金融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)宣講(jiang)，搭建(jian)(jian)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)平臺，實(shi)現(xian)金融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)本(ben)與企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)需求(qiu)的(de)(de)(de)(de)(de)有效(xiao)對(dui)接，利(li)用(yong)好相(xiang)(xiang)關(guan)(guan)財(cai)政(zheng)(zheng)貨幣(bi)(bi)政(zheng)(zheng)策(ce)，助(zhu)(zhu)企(qi)(qi)(qi)(qi)(qi)紓困，切(qie)實(shi)解(jie)決中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)創(chuang)(chuang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)、發(fa)(fa)(fa)展過程(cheng)中(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)“融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)難、融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)貴”難題(ti)(ti)，尤其是(shi)疫(yi)情(qing)影(ying)響下(xia)(xia)(xia)，想法幫(bang)助(zhu)(zhu)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，特(te)別是(shi)受疫(yi)情(qing)影(ying)響比較大(da)的(de)(de)(de)(de)(de)行業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)渡過難關(guan)(guan)，讓(rang)實(shi)體經(jing)濟(ji)(ji)發(fa)(fa)(fa)展更(geng)有底氣。——建(jian)(jian)立(li)健全“敢貸(dai)(dai)(dai)(dai)、愿(yuan)貸(dai)(dai)(dai)(dai)、能(neng)貸(dai)(dai)(dai)(dai)、會貸(dai)(dai)(dai)(dai)”的(de)(de)(de)(de)(de)長效(xiao)機制(zhi)(zhi)(zhi)，從(cong)(cong)根本(ben)上解(jie)決銀(yin)(yin)行服(fu)(fu)務(wu)小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)內(nei)生動(dong)(dong)力(li)(li)問題(ti)(ti)。各(ge)商(shang)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)銀(yin)(yin)行可(ke)在銀(yin)(yin)監會出(chu)臺的(de)(de)(de)(de)(de)小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)授信(xin)工(gong)作(zuo)(zuo)盡職(zhi)免(mian)責指引文件下(xia)(xia)(xia)，結合(he)人民銀(yin)(yin)行印發(fa)(fa)(fa)的(de)(de)(de)(de)(de)《關(guan)(guan)于推(tui)動(dong)(dong)建(jian)(jian)立(li)金融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)敢貸(dai)(dai)(dai)(dai)愿(yuan)貸(dai)(dai)(dai)(dai)能(neng)貸(dai)(dai)(dai)(dai)會貸(dai)(dai)(dai)(dai)長效(xiao)機制(zhi)(zhi)(zhi)的(de)(de)(de)(de)(de)通(tong)知》，進(jin)一步細化(hua)盡職(zhi)免(mian)責內(nei)部(bu)制(zhi)(zhi)(zhi)度(du)，建(jian)(jian)立(li)明確的(de)(de)(de)(de)(de)工(gong)作(zuo)(zuo)機制(zhi)(zhi)(zhi)和問責處(chu)罰(fa)等異議(yi)申訴渠(qu)道(dao)，為(wei)基(ji)層員(yuan)(yuan)工(gong)解(jie)決支持(chi)(chi)(chi)小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)后(hou)的(de)(de)(de)(de)(de)后(hou)顧之憂，著力(li)(li)提(ti)(ti)(ti)升(sheng)(sheng)金融(rong)(rong)(rong)(rong)(rong)(rong)機構及(ji)銀(yin)(yin)行從(cong)(cong)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)人員(yuan)(yuan)服(fu)(fu)務(wu)小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)意(yi)愿(yuan)能(neng)力(li)(li)和可(ke)持(chi)(chi)(chi)續性(xing)。——在政(zheng)(zheng)策(ce)指導下(xia)(xia)(xia)，積(ji)極(ji)開(kai)展政(zheng)(zheng)銀(yin)(yin)保(bao)(bao)(bao)擔(dan)(dan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)務(wu)合(he)作(zuo)(zuo)。積(ji)極(ji)引入(ru)擔(dan)(dan)保(bao)(bao)(bao)公司(si)(si)、保(bao)(bao)(bao)險公司(si)(si)共(gong)同參與到支持(chi)(chi)(chi)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)發(fa)(fa)(fa)展中(zhong)(zhong)(zhong)(zhong)來，通(tong)過合(he)理(li)(li)(li)提(ti)(ti)(ti)高(gao)擔(dan)(dan)保(bao)(bao)(bao)放大(da)倍數，簡化(hua)擔(dan)(dan)保(bao)(bao)(bao)流程(cheng)，鼓勵中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)積(ji)極(ji)投保(bao)(bao)(bao)，進(jin)一步發(fa)(fa)(fa)揮擔(dan)(dan)保(bao)(bao)(bao)公司(si)(si)、保(bao)(bao)(bao)險公司(si)(si)在中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)貸(dai)(dai)(dai)(dai)款(kuan)中(zhong)(zhong)(zhong)(zhong)的(de)(de)(de)(de)(de)增(zeng)信(xin)分(fen)(fen)險功(gong)能(neng)。對(dui)于一部(bu)分(fen)(fen)優質的(de)(de)(de)(de)(de)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)，地(di)方(fang)政(zheng)(zheng)府、專(zhuan)(zhuan)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)機構應加強對(dui)優質中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)上市(shi)輔導，鼓勵并引導其積(ji)極(ji)對(dui)接資(zi)本(ben)市(shi)場，通(tong)過直接融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)渠(qu)道(dao)降(jiang)低融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)成本(ben)，從(cong)(cong)而(er)(er)降(jiang)低經(jing)營成本(ben)，提(ti)(ti)(ti)高(gao)獲利(li)能(neng)力(li)(li)。從(cong)(cong)監管的(de)(de)(de)(de)(de)角度(du)出(chu)發(fa)(fa)(fa)，要(yao)求(qiu)銀(yin)(yin)行金融(rong)(rong)(rong)(rong)(rong)(rong)機構尤其是(shi)中(zhong)(zhong)(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)金融(rong)(rong)(rong)(rong)(rong)(rong)機構積(ji)極(ji)履行社會責任，做好普惠(hui)金融(rong)(rong)(rong)(rong)(rong)(rong)工(gong)作(zuo)(zuo)和小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)金融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)工(gong)作(zuo)(zuo)。銀(yin)(yin)行金融(rong)(rong)(rong)(rong)(rong)(rong)機構積(ji)極(ji)主(zhu)動(dong)(dong)創(chuang)(chuang)新(xin)(xin)金融(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)品，推(tui)進(jin)動(dong)(dong)產(chan)(chan)和應收(shou)賬(zhang)款(kuan)質押(ya)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)，解(jie)決小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)因為(wei)固定資(zi)產(chan)(chan)占(zhan)比較少(shao)(shao)，存貨、應收(shou)賬(zhang)款(kuan)占(zhan)比高(gao)而(er)(er)無(wu)抵(di)(di)押(ya)物融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)的(de)(de)(de)(de)(de)問題(ti)(ti)，更(geng)多地(di)創(chuang)(chuang)新(xin)(xin)發(fa)(fa)(fa)展供應鏈金融(rong)(rong)(rong)(rong)(rong)(rong)產(chan)(chan)品和信(xin)用(yong)產(chan)(chan)品，融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)環(huan)節盡量減(jian)少(shao)(shao)不動(dong)(dong)產(chan)(chan)抵(di)(di)押(ya)登記及(ji)對(dui)相(xiang)(xiang)關(guan)(guan)股東的(de)(de)(de)(de)(de)個(ge)人連(lian)帶責任擔(dan)(dan)保(bao)(bao)(bao)要(yao)求(qiu)，實(shi)實(shi)在在地(di)做到支持(chi)(chi)(chi)實(shi)體經(jing)濟(ji)(ji)發(fa)(fa)(fa)展，切(qie)實(shi)滿(man)足小(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)(de)(de)融(rong)(rong)(rong)(rong)(rong)(rong)資(zi)需求(qiu)。

作者：周萬紅