中小企业融资难外文中英文翻译.docx

附录Financing small and medium-sized problem is not unique to China. In the United States, the existence of such an economic phenomenon of the same, the difference is that the U.S. government measures to support a market-oriented SMEs. Chinas very rapid development of SMEs, currently has more than 430 million small and medium enterprises, SMEs can be seen in economic activity in China to occupy more and more of the components already. In order to help the development of SMEs in China, the central government has promulgated a number of policies in recent years. However, as funding is concerned, the majority of domestic small and medium enterprises are still everywhere, meet with a rebuff. Because of shortage of funds in many small and medium enterprises, development has been limited. Perhaps, the U.S. government to encourage small and medium-sized ways and means of financing is worth learning from.Similarly the United States there are difficulties in SME lending Although the U.S. companies the proportion of bank financing through external financing accounted for about 61.8 percent, but small and medium-sized view, because of the existence of relatively high credit risk, leading financial institutions, commercial loans to small and medium-sized lack of impact on the financing of small and medium enterprises. U.S. commercial well-developed financial system, but the prevalence of small and medium-sized small scale, lack of credit, the reasons for poor business environment, small and medium-sized financial institutions are not commercial loans the preferred target. Development and stability that only those products with market and credit conditions favorable to small and medium-sized commercial banks to obtain loans. This point and treat Chinas commercial banks loans to SMEs with little difference between the attitude Typically, the United States the amount of long-term financing of SMEs and 25% ~ 85% from the accumulation of the enterprise. 90 In the mid-20th cent