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Financial support for private enterprise institutional arrangement and practical suggestion , relationresultAbstract the financing difficulty has become China ,especially small and medium-sized private enterprises development of a major bottleneck .
To solve the difficulty of financing of civilian battalion industry is the key to China financial system ,and the strengthening of banks and other financial institutions to practice in the process of product innovation risk and return trade-off between and coordination .
Accordingly ,the author put forward to solve the private enterprise financing difficult financial support system arrangement conception and solving the difficulty of financing of civilian battalion industry financial support practical suggestion .
Keyword non-governmentally operated enterprise financing financial support of chattel mortgage 1 financial support strength is caused by the current predicament of financing of civilian battalion industry are important causes of sufficient capital supply and reasonable arrangement of capital is the enterprise to run a good foundation .
But our current financial system both in the concept ,system and technical support ,financing of private enterprises as state-owned enterprises .China ,especially small and medium-sized private enterprises exist the problem of difficulty of financing is very outstanding ,already greatly suppressed the private enterprise technical innovation ,market development and other business activity is normal begin .
A survey shows that ,in the whole commercial bank customers ,large family account for about 0.5% of the loan amount ,the loan of financial institutions more than 50% of the total .Small and medium-sized private enterprises account account for 80.
9% ,the loan amount is less than 1% of total loans of financial institutions .The private enterprises have become the important part of national economy background, continue to ignore even despise our country private enterprise problem ,may form a lot of bad consequences .
As a private enterprise not from the normal channels of access to funds, had to choose to underground financing ,or abnormal financing channels, may increase the country ;because the private enterprise by financial difficulties on production and business activities will be blocked ,so that our country faces greater pressure of social obtain employment ;and is not conducive to give full play to private enterprises in state owned enterprises reform of the positive adjuvant effect ,thereby affecting the reorganization of state-owned assets such as the effect of .
Therefore ,it is necessary to solve our country private enterprise financing difficult problems on the economic development of the overall height to be considered ,a systematic and in-depth study ,in order to promote the development of China ,so as to promote the development of whole countryman economy seek support way .
From the reality of our country the reason and operation situation, private enterprise financing difficult main reason lies in that the financial support strength is insufficient .Although the practical solution private enterprise current financing difficulties have not existed problems ,mainly how to practice and implement the relevant policies .
Practice and implement policies related to the key ,in addition to oneself of civilian battalion enterprise credit consciousness and risk prevention level outside ,hand in to our country financial system and the perfection of the system ;on the other hand is on the bank ,guarantee and other financial institutions in practice how to strengthen pair of steady operating principle and product innovation risk trade-offs between and coordination .
Therefore ,to attach great importance to solve the financing problems of private enterprise and the importance and urgency of the premise ,in government finance of private enterprises to give the necessary funds to support at the same time ,in the financial organization structure, in the entire financial layout structure, to be able to make our organization structure more conducive to private enterprises to provide financial services ,practical financial institutions from the system design and practice of operation two levels to solve the issues of financial support for private enterprises ,canada goose outlet,it is to solve current private enterprises out of financing predicament in the fundamental approach .
2 solution private enterprise financing difficult financial support system arrangement conception 2.1 reasonable financial system design, resolve the difficulty of financing of civilian battalion industry system obstacles to the State Council promulgated the on encouraging, supporting and guiding the economy of individual privately owned development certain opinions carry out ,want exert oneself to solve the financing difficulties of private enterprises ,the central bank policy also encourages commercial bank to increase the private enterprise ,especially small and medium-sized private enterprises loan .
But as a result of the state-owned banks and other financial institutions designed mainly to state-owned enterprises, led to the current commercial banks are facing the private enterprise is operable to lower levels .
Thus ,for private enterprise financing difficult prime cause ,or to return to the existing banks and other financial institutions system design issues .The author thinks ,perfect financial system from the point of view ,first of all ,should make state-owned commercial bank according to the capital to use benefit rather than ownership choice loan object .
Secondly ,when the time is ripe ,it is necessary to be a part of financial institutions to the blame nationalization ,or let go of some small financial institutions ,from the system to the private enterprises ,especially small and medium-sized private enterprises to open a channel of financing .
Once again ,must undertake the system innovates, reform the current loan approval procedures ,form reasonable system arrangement ,for the establishment of private enterprises credit system and policy .
2.2 structures of capital supply and demand docking platform ,seeking financial support for private enterprises to solve the synergistic effect of private enterprises financing is difficult the problem is project of a system ,involve financing system ,credit environment ,financial institutions, risk awareness and other factors, to be integrated and coordinated ,supporting solution .
Therefore ,the government has the responsibility to the private enterprise financing difficulty to give height takes seriously ,and take effective measures to promote the solution to the problems .
At present on the market in the allocation of resources to the basic role is still not completely solve the problem of private enterprise financing difficult circumstances ,government through building private enterprise financing demand and supply of bank capital docking platform ,coordination of credit intermediary agencies ,guarantee institution and bank loans for the financing of private enterprises to provide common services, seeking financial support through the synergistic effect ,strive for more effective solution to the financing difficulties of private enterprises .
2.3 direct financing and bond financing for private enterprises ,seeking financial support multiple channels on one hand ,should actively support the private enterprises from domestic and overseas capital market listing and financing directly or with the condition of the small and medium private enterprises listing on the gem financing .
On the other hand ,it should encourage the private enterprises to attract foreign direct investment ,project financing and other means to raise funds .In addition ,we should further expand SME indirect financing source ,guide actively and give aid to qualified private enterprises on the basis of the relevant provisions of the state to issue corporate bonds ,especially the issue of practical short term bonds .
To get rid of private enterprises on commercial banks ,especially state-owned commercial bank financial dependence ,the construction of private enterprises and more extensive open indirect financing system .