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银行融资在中小企业融资结构中历来占有重要的比重,在我国亦是.而在我国资本市场不发达的条件下,银行融资的严重短缺对中小企业可谓雪上加霜,这对我国中小企业的发展危害很大.追究其根源在乎商业银行的慎贷及中小企业自身等问题,我国商业银行应该从三个方面来创新现有的信贷制度.在体制上创新:实行银行内部中小企业信贷的专门化;担保制度的革新,包括适当的使用信用担保,扩大担保品的范围;加强中小企业融资贷款的信用评级建设;大胆尝试和推广一些新型的中小企业融资产品. 相似文献
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文章通过对河北保定科技型中小企业融资困境及其形成原因进行分析,结合保定市的实际情况,建议从完善企业经营管理制度,增强信用担保机构担保能力,增加银行金融产品种类,创建科技保险体系等方面入手,以期协调科技型中小企业、政府、银行、创业投资机构和信用保险机构等多方融资关系。 相似文献
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中小企业集合债券与融资方式创新 总被引:1,自引:0,他引:1
吴群 《南京政治学院学报》2010,26(5)
中小企业集合债券打破了只有大企业才能发债的惯例,优化了中小企业融资结构,创新了中小企业融资模式.当前中小企业集合债券还处于探索阶段,准入门槛过高与处于成长期中小企业发展的矛盾,未来的不确定性与担保机构承担风险的矛盾,以及成本约束使债券市场的这一新品种面临诸多困境.促进中小企业集合债券健康发展,需要从健全机制、配套政策、落实担保等方面入手,推动中小企业集合债券由政府主导型向市场驱动型发展转变;建立完善覆盖中小企业集合债券组织运行全过程各环节的政策法规;加大各级配套扶持力度,降低企业债券融资成本;完善担保运行机制,促进中小企业担保信用体系健康发展. 相似文献
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我国中小企业在新一轮发展机遇中, 面临着企业制度不完善、信用资源不足以及金融业整合、贷款紧缩等问题, 直接制约中小企业的融资。只有加强企业制度建设, 完善运行机制, 苦练内功; 完善融资体系、创新融资制度以及制定中小企业融资扶持政策和相应法律保障, 形成有利于中小企业融资的外部环境, 才能有效解决中小企业的融资难问题。 相似文献
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中小企业信用担保体系问题与构建 总被引:1,自引:0,他引:1
中小企业信用担保体系在国外发展较快和完善,而我国中小企业信用担保体系发展较慢,且存在不少问题。通过分析比较,从资金来源、风险机制、业务品种、政府作用、法律法规、监管和保障等方面提出了构建我国中小企业信用担保体系的对策建议。 相似文献
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以贯彻实施《中华人民共和国中小企业促进法》为契机,尽快制定相关的实施细则,制定完善信用担保、银行等方面的法律政策,为中小企业融资提供一个良好的制度环境。 相似文献
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官僚制作为一种组织体系和管理方式为社会化的大生产发展起到过积极的作用,但随着实践的深入,它也日益暴露出诸多弊端。在社会转型时期,更需要对此体制进行理论的探索和重构,以期为社会的改革和发展提供理论指导,更好的服务于实践。 相似文献
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从唯物史观的以人为本到科学发展观的以人为本 总被引:2,自引:0,他引:2
科学发展观在提出以经济建设为中心、经济社会全面协调可持续发展的同时,强调以人为本是其本质和核心,这无论从其理论内涵还是实践经验来说,都是以人为本的科学发展观。这是对唯物史观、尤其是对唯物史观中的以人为本的继承和发展。 相似文献
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中国古代文论常把文学艺术作品比作水。古人以为水德与文德相通,这受历史文化多方面的影响。以水喻文反映中国古代文论对平淡自然风格的追求。 相似文献
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Arias EA 《Journal of prevention & intervention in the community》2005,30(1-2):39-48
The present article discusses convents as homes. Resulting from the study of a Gregorian source presently housed at DePaul University's Richardson library, this article probes the complexities and restrictions of convent life in 17th century Spain. The Sanctoral de Visperas (1653) functions as a backdrop for a consideration of how singing chant and attendant rituals enriched the lives of nuns. Also included are references to nuns from this period who were outstanding musicians and poets and whose works have recently received enthusiastic attention. 相似文献
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Li Fangfang 《北京周报(英文版)》2020,(15):20-21
Global collaboration urged to battle COVID-19 and its socioeconomic fallout In 1992,after the Cold War ended,28individuals established a think tank to suggest new ways for the international community to work collectively for global security.The Commission on Global Governance presented its report,titled Our Global Neighborhood,at the UN for discussion. 相似文献
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INESA PLESKACHEUSKAYA 《今日中国(英文版)》2004,53(5):58-59
In AD 300 a Chinese princess smuggled a silkworm out of the country.It was this treasured dowry item that brought the secrets of silk industry to the rest of the world,at least as legend would have it. 相似文献
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QIAO TIANBI 《今日中国(英文版)》2007,56(4):15-21
HE is a good teacher. As a part-time professor at a Shanghai university, he is loved by his students. He also showed potential as a lawyer, jour-nalist and a TV anchor. What did he become? A pastor. Many people can be excellent teachers, lawyers and journalists, but far fewer can become good pastors, particularly one who loves life and art. 相似文献
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Clifford A.Kiracofe 《北京周报(英文版)》2017,60(32)
<正>Wall Street-pocketed U.S.legislature continues the nation’s imperialist crusade The delusional United States Congress has just approved sanctions legislation which destabilizes the international system and the U.S.constitutional order.Will it lead to war?The hysteria in Washington over Russia,North Korea and Iran has produced unilat- 相似文献
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An Gang 《北京周报(英文版)》2017,60(23)
<正>Trump brushes up U.S.policy on the Middle East with his first trip abroad U.S.President Donald Trump chose Saudi Arabia,the most important U.S.ally in the Gulf area,as the first stop of his maiden trip abroad since he took office in January.In the past,other U.S.presidents would normally make their first foreign trip to a European or American 相似文献
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《北京周报(英文版)》2020,(31)
正Plan to renovate aging urban residential areas will benefit millions of households Since the renovation of her community, Li Guizhen, 82, likes sunbathing in the residential yard much more.A large number of flower pots have been added, the lawn has been expanded, and new fitness equipment installed at Anju Community in Qinhuangdao, a coastal city 相似文献