金融外文翻譯--金融租賃和中國的小微企業(yè)的研究

1、<p><b>　　中文5182字</b></p><p>　　文獻(xiàn)出處：YANG J. The Research on Financial Leasing and China’s Small Micro Enterprises[J]. International Business and Management, 2012, 5(1): 33-37.</p><

2、p><b>　　文獻(xiàn)一：</b></p><p>　　The Research on Financial Leasing and China’s Small Micro Enterprises</p><p>　　Abstract：The financing difficulties is China’s small micro enterprises exis

3、tence a universal problem, it has become the main small micro enterprises development of a bottleneck. The financial leasing in the service of small micro enterprises has marked effect. First, to broaden the financing ch

4、annels of small micro enterprises, second, reduce the fund pressure of small micro enterprises, and the third, promote the technology innovation of small micro enterprises, fourth, promote the market devel</p><

5、;p>　　Key words: Small micro enterprises; Financial leasing; Role; Problems; Suggestions</p><p>　　INTRODUCTION：</p><p>　　Small micro enterprises in the process of economic development of China

6、 plays a more and more prominent role, however, China’s small micro enterprises generally faced the difficulty of shortage of funds. How to solve the financing problems of small micro enterprises is a hot issue in China’

7、s economic development. Studies have shown that financial leasing is an effective way to solve the financing difficulties of small micro enterprises in China. Positive development of financial leasing, can eff</p>

8、<p>　　Financial Leasing as a new way to trade, it put the traditional rental, trade and financial way all organic combination up, be understood as a financing bank loans and capital markets after the third road. Fi

9、nancial leasing has the dual function of financing and financial objects, has its unique advantages in the service of the real economy, especially in services to small micro enterprises. In 2010 June, Chinese financial a

10、uthorities issued further completes the small micro enterprise financial</p><p>　　1. FINANCIAL LEASING IS THE IDEAL FINANCING OPTIONS FOR SMES IN CHINA</p><p>　　Because China’s small micro ente

11、rprises financing channel is narrow, the financial leasing in service for small companies can give full play to the advantages provided a condition.The enterprise financing way has stockholder’s rights financing and the

12、creditor’s rights financing two types. Stockholder’s rights financing can be divided into two forms: public offering and private collect. The public to raise financing is IPO financing. From the present situation of the

13、development of China’s capit</p><p>　　2. THE ROLE PLAYED BY FINANCIAL LEASING SERVICES TO SMES</p><p>　　Financial leasing advantage decided it has a unique role in service for small micro enter

14、prises. Financial leasing has the following advantages: First, provides professional services for small micro enterprises. Leasing companies often choose some specific industry to carry out leasing business, can provide

15、enterprises with professional services. In the process of cooperation with the enterprise, the leasing company in addition to providing financing service outside, with the development of it i</p><p>　　2.1 Ex

16、pand the Small Micro Enterprise’s </p><p>　　Financing Channel Bank considers to the safety of the credit funds to set up corresponding assets loan mortgage conditions, the small micro enterprises are restric

17、ted by many factors, it is difficult to obtain loan from the bank. Compared with the cumbersome procedure of the bank loans, financial leasing often do not require the lessee to provide credit guarantee finance simplicit

18、y, therefore, the financial leasing for those in the early days, there’s no mortgage assets, the lack of complete cre</p><p>　　2.2 Reduce the Small Micro Enterprise’s Fund Pressure Compared with corporate s

19、elf-purchase of equipment, through financial leasing, the lessee pays the rent way to obtain the right to use of machinery and equipment, a combination of financing and investment, to create the operating profit. Althoug

20、h the equipment not getting the ownership of the equipment, but, the enterprise to pay the rent for the far less than the amount needed for the lump sum investment financing volume. With the aid of f</p><p>

21、;　　2.3 Promote the Small Micro Enterprise’s Technological Innovation Financial leasing can make both supply and demand meet directly, reduce the intermediate link, so as to facilitate the equipment into the fields, and

22、drive enterprise production development, financial leasing to become the link of enterprises cohesion production and sales. Due to the strength of strong small micro enterprises reduce the full risk of equipment investme

23、nt, so that enterprises have more energy to track changes in th</p><p>　　2.4 Promote the Small Micro Enterprise to Develop the Market Financing and the sale are two difficult problems which the small micro e

24、nterprises faces. Financial leasing has not only solved enterprise's financing problem, moreover the help enterprise has developed the market. May reduce the selling expenses through financial leasing, reduces purcha

25、ses the threshold, enhancement customer purchase ability, to reduce sells link's account receivable and the time sale risk. At the same time, because </p><p>　　3. THE PROBLEMS OF CHINA’S FINANCIAL LEASI

26、NG AND WHY</p><p>　　2011 China financial leasing industry development report shows, to the end of 2011, 286 Chinese operations in the book all types of financial leasing companies, financial leasing contract

27、 balance of approximately 930 billion yuan. Should say, financial leasing industry development scale and the development of the Chinese economy condition is don’t match</p><p>　　3.1 Problems of Financial Lea

28、sing</p><p>　　Although China financial leasing business started in 1981, but look on the whole, it is still a new business in China, is still in the initial stage of development, the external market environm

29、ent, the legal environment is still not perfect and mature. As the main body of market rental company professional skills, management level, risk control ability has yet to be further improved. 2011 China financial leas

30、ing industry development report listed the problems of China’s financial leasing indust</p><p>　　3.2 The Cause of the Problems</p><p>　　The main reason is to influence the development of China’s

31、 financial leasing: First, the society lacks the enough understanding to financial leasing. Looking from the idea angle, the China’s enterprise is accustomed to have equipment’s property rights, makes every effort itself

32、 to have the machinery equipment. This has created the partial machinery equipment idle condition to a certain extent. In fact, the lease can greatly improve the utilization of equipment. Second, a comprehensive policy p

33、ac</p><p>　　difficult to meet the demand for rental business.</p><p>　　4. THE SUGGESTIONS OF PROMOTE CHINA’S FINANCIAL LEASING </p><p>　　DEVELOPMENT</p><p>　　In view o

34、f the financial leasing to small micro enterprises with outstanding advantage, the state should be the development of financial leasing to give more accommodative policy. China since launching financial leasing business

35、since, after more than 30 years of development, has initially formed a certain scale, but, due to the management system of unity, leasing company business scope narrow, rental agencies such as less problems affecting the

36、 development of financial leasing and function. To </p><p>　　4.1 To Establish a Unified Financial Leasing Management System Due to the management system, financial leasing management is not uniform, the patt

37、ern of inconsistent regulatory system. Different types of leasing companies have different management practices; their ability to finance is not the same, large differences in market activity, unequal competition within

38、the industry, thus affecting the development of financial leasing. The Government should set up a national leasing association, to est</p><p>　　4.2 Improve the Relevant Supporting Policies</p><p&g

39、t;　　Speeding up the financial leasing legislation, establish and perfect the financial leasing regulations, standardize all kinds of financial leasing company’s products, clear all kinds of financial leasing company equa

40、l legal status. Perfect the corresponding preferential policies. Because of the financial leasing has strong cross industry characteristics, facing the tax, license, registration of property rights, import and export tax

41、 rebate and a series of policy issues, in addition, each of the </p><p>　　4.3 Expand Financial Leasing Funds</p><p>　　Because capital source of a single, long on bank lending, the leasing compan

42、y development power and the risk control ability is insufficient. The government should make the financial leasing loan guidelines, given the financial leasing companies greater credit support. Promote the docking of the

43、 financial lease and bond markets, capital markets, study the management approach on leasing companies to issue bonds or IPO, effectively solve the leasing company capital source. In addition, to strength</p><

44、p>　　5.Conclusion</p><p>　　Small micro enterprises play an increasingly prominent role in economic development, therefore, the promotion of small micro enterprises development is an important driving force

45、 of China’s economy in the future be able to maintain sustained growth. If do not solve the financing difficulties of small micro enterprises, it will affect the sustainable development of China’s economy. The financing

46、difficulties of small micro enterprises in China are a widespread problem. Analysis of the financing c</p><p><b>　　翻譯一：</b></p><p>　　金融租賃和中國的小微企業(yè)的研究</p><p>　　摘要：融資難是中國的小

47、微企業(yè)存在的一個普遍問題，它已成為小微企業(yè)發(fā)展一個主要的瓶頸。金融租賃在小的微型企業(yè)具有顯著的效果。首先，能拓寬小微企業(yè)融資渠道，第二，降低小微企業(yè)的資金壓力，第三，推動小微企業(yè)技術(shù)創(chuàng)新，第四，推動市場發(fā)展小微企業(yè)。由于缺乏對金融租賃必要的知識，相應(yīng)的政策不完善，缺乏必要的資金供給，影響金融租賃的發(fā)展。為了促進(jìn)金融租賃的發(fā)展，中國應(yīng)建立統(tǒng)一的管理制度，完善的相關(guān)政策，擴大財政資金來源租賃。 關(guān)鍵詞：小微企業(yè)，金融租賃;作

48、用;問題; 建議</p><p>　　介紹：小微企業(yè)在中國的經(jīng)濟過程發(fā)展起著越來越突出的作用，但是，中國的小微企業(yè)普遍面臨資金短缺的困難。如何解決小微企業(yè)的融資問題是一個熱門問題。在中國的經(jīng)濟發(fā)展有研究表明金融租賃是解決小微企業(yè)融資難的有效途徑。金融租賃的良性發(fā)展，可以有效解決小微企業(yè)融資難題，從而促進(jìn)經(jīng)濟發(fā)展。金融租賃作為一種新的交易方式，它把傳統(tǒng)的租賃，貿(mào)易與金融方式有機的組合起來，可以理解為融資銀行貸款而后

49、的第三條道路資本市場。融資租賃具有融資和財務(wù)目標(biāo)的雙重功能，在實際的服務(wù)中的獨特經(jīng)濟優(yōu)勢，特別是對小微企業(yè)的服務(wù)。2010年6月，??中國金融機構(gòu)進(jìn)一步發(fā)行完成了小微企業(yè)金融服務(wù)工作的若干意見，和要求發(fā)展的融資租賃業(yè)務(wù)。充分展示金融租賃的功能，可促進(jìn)小微企業(yè)的發(fā)展。 </p><p>　　1.金融租賃是理想的融資方案。</p><p>　　中國的中小企業(yè)因為中國的小微企業(yè)融資渠道

50、狹窄，對小的金融租賃服務(wù)企業(yè)可以充分發(fā)揮優(yōu)勢。企業(yè)融資方式具有的股權(quán)融資和融資兩類債權(quán)人的權(quán)利。股權(quán)融資可以被劃分成兩個形式：公開發(fā)售及私人收藏。公眾籌集資金是IPO融資。從目前的中國資本市場的發(fā)展?fàn)顩r看，通過企業(yè)的融資上市是只有一小部分，成千上萬的公司在上市的是幾十只有非常小的一部分。數(shù)以百萬計的企業(yè)不需要經(jīng)過嚴(yán)格的審核通過私募融資上市，但是相對來說，更容易實現(xiàn)融資。由于私募基金實現(xiàn)的操作合法化，即使市民有很多私人股票型基金存在的，但

51、真正能夠提供的金額的錢是相對有限的。對債權(quán)人的權(quán)利融資，目前中國的形式的債權(quán)融資單一，主要是銀行信貸渠道。銀行由于考慮安全問題，往往提供資金的是大企業(yè)，此外，由于銀行信貸市場化程度還比較低，不建立真正成熟的企業(yè)信用評級系統(tǒng)，特別是小微企業(yè)評級體系，從而使銀行信貸活動不可能蓋一個更大范圍的債務(wù)融資需求，只有滿足一些的融資需求。因此，小型和中型企業(yè)，尤其是小微企業(yè)融資的一個瓶頸制約著企業(yè)發(fā)展。融資租賃的方式發(fā)明于20世紀(jì)50年代，作為一個樣

52、的長期債務(wù)融資，是根據(jù)出租人承租人的需要，提前按照合同，承租人指定一個人買承租人</p><p>　　2 。發(fā)揮金融租賃的對中小企業(yè)的服務(wù)的作用。</p><p>　　融資租賃的優(yōu)勢決定了它具有獨特的服務(wù)小微企業(yè)作用。融資租賃具有以下優(yōu)點：第一，提供專業(yè)的服務(wù)，為小微企業(yè)。租賃公司往往會選擇一些特定的行業(yè)開展租賃業(yè)務(wù)，可以為企業(yè)提供專業(yè)的服務(wù)。在與企業(yè)合作的過程中，租賃公司除了提供融資服務(wù)

53、外，同IT行業(yè)，發(fā)展企業(yè)對利潤的認(rèn)識模型，并掌握企業(yè)的管理，這在客觀上可以對小型微型企業(yè)發(fā)揮指導(dǎo)作用。第二，手續(xù)簡單，靈活的服務(wù)。通常情況下，小微企業(yè)以資金需求短，急，快的特點，。相比與銀行信貸，融資租賃的承租人要求資產(chǎn)和負(fù)債不高，不需要嚴(yán)格的審批，只需要調(diào)查的未來現(xiàn)金流量的承租人。該小微企業(yè)與租賃的公司工作用不同的合同，以滿足租戶的現(xiàn)金流請求，租金支付模式也可以處理靈活。因此，融資租賃的方式更符合小微企業(yè)的資金需求特點。第三，幫助小微

54、企業(yè)降低經(jīng)營風(fēng)險。買不起的生產(chǎn)設(shè)備，承租人通過融資租賃的設(shè)備，從該項目獲得投產(chǎn)，從早投早受益提高運營效率。金融租賃以減少資金流出來為企業(yè)裝備。金融租賃方案被設(shè)計成具有一定程度的靈活性，租賃公司可以根據(jù)對企業(yè)的現(xiàn)金流量身定做租金還款計劃，避免企業(yè)還款壓力過于集中，從而降低財務(wù)風(fēng)險。訂立租賃合同，該設(shè)備價格，租金及其他重要問題是確定一個時</p><p>　　2.1擴大小微企業(yè)的融資渠道</p><

55、;p>　　銀行考慮到信貸資金的安全設(shè)置和相應(yīng)的資產(chǎn)抵押貸款的條件，小微型企業(yè)是由許多因素的制約，它是很難從銀行獲得貸款。與銀行貸款比較，融資租賃的繁瑣程序往往不需要承租人提供信用擔(dān)保，因此，金融租賃為那些在創(chuàng)業(yè)初期，沒有抵押資產(chǎn)，缺乏完整的信用記錄，資產(chǎn)負(fù)債率較高的小微型企業(yè)，特別是小微企業(yè)在啟動階段提供了現(xiàn)實的融資降低小微企業(yè)的基金壓力。與企業(yè)自購買設(shè)備相比，通過金融租賃，承租人支付租金的方式要獲得使用機器設(shè)備的權(quán)利，融資和投資

56、的組合，以創(chuàng)建營業(yè)利潤。雖然沒有得到該設(shè)備的所有權(quán)，但企業(yè)支付租金比需要的量遠(yuǎn)不如一筆投資資金量。用的輔助金融租賃，承租人是由設(shè)備返回錢，即租的方式來支付設(shè)備。承租人的租金分期付款金額及出租人無論是在他們的經(jīng)過一定的考慮現(xiàn)金流量狀況，和承租人的現(xiàn)金流都有好處，管理企業(yè)資本支出，降低財務(wù)壓力。此外由于融資租賃，為不包括在公司的資產(chǎn)負(fù)債表，通過金融租賃企業(yè)可以減少資產(chǎn)的比率及負(fù)債，對于其他與籌資活動為企業(yè)的發(fā)展奠定了基礎(chǔ)</p>

57、;<p>　　2.2與企業(yè)自購買設(shè)備相比降低小微企業(yè)的資金壓力。</p><p>　　通過金融租賃，承租人支付租金的方式獲得使用機器設(shè)備的權(quán)利，融資和投資的組合，創(chuàng)造經(jīng)營利潤。雖然設(shè)備沒有得到設(shè)備的所有權(quán)，但企業(yè)支付的租金比所需的一筆投資資金量的金額少得多。隨著金融租賃的幫助下，承租人是由設(shè)備，返回的錢，即租的方式來支付設(shè)備。承租人和出租人的租金分期付款金額無論是在他們的考慮之后的現(xiàn)金流狀況確定的，

58、以承租人的現(xiàn)金流有好處，管理企業(yè)的資本支出，減少資金壓力。由于融資租賃此外，不包括在本公司的資產(chǎn)負(fù)債表，通過融資租賃企業(yè)可以降低資產(chǎn)負(fù)債率，為企業(yè)的發(fā)展奠定了其他與籌資活動奠定了基礎(chǔ)</p><p>　　2.3促進(jìn)小微企業(yè)的技術(shù)創(chuàng)新</p><p>　　融資租賃可以使供需雙方見面直接，減少了中間環(huán)節(jié)，以便利于設(shè)備快速使用，并驅(qū)動企業(yè)的生產(chǎn)發(fā)展，融資租賃成為鏈接企業(yè)的生產(chǎn)和銷售凝聚力。為強大

59、的小微企業(yè)實力降低全設(shè)備投資的風(fēng)險，使企業(yè)擁有更多的精力來跟蹤市場變化，加快技術(shù)創(chuàng)新步伐，生產(chǎn)更具競爭力產(chǎn)品。小微企業(yè)通過財務(wù)租賃，以減少設(shè)備投資的負(fù)擔(dān)，快速獲得所需要的技術(shù)和設(shè)備。這樣可以縮短的技術(shù)改造唄企業(yè)更新設(shè)備周期，通過連續(xù)租先進(jìn)的設(shè)備，以縮短機器設(shè)備的時間使用，從而加快生產(chǎn)設(shè)備更新，保持生產(chǎn)技術(shù)領(lǐng)先，并搶占市場機會。</p><p>　　2.4促進(jìn)小微企業(yè)，以開拓市場。</p><p

60、>　　融資和銷售是小微企業(yè)面臨的兩個難題的。金融租賃有不僅解決了企業(yè)的融資問題，而且?guī)椭髽I(yè)開發(fā)市場。可能會降低通過融資租賃的銷售費用，降低了購買門檻，增強客戶購買能力，減少銷售環(huán)節(jié)的應(yīng)收賬款和的時間內(nèi)出售的風(fēng)險。與此同時，由于金融租賃是一種管理行為，出租人與租戶保持持續(xù)的良好的溝通條件，承租人可以根據(jù)顧客采取行動反饋的信息，進(jìn)行更新和完善的產(chǎn)品，保持產(chǎn)品的良好。通過融資租賃，可以溝通金融，貿(mào)易，生產(chǎn)三個市場，指導(dǎo)資本的合理順序是

61、移動，促進(jìn)金融資本，產(chǎn)業(yè)資本和貿(mào)易資本的融合。</p><p>　　3．中國的融資租賃問題及為什么2011中國金融租賃行業(yè)發(fā)展報告顯示，到2011年， 286在中國運營的所有類型的金融租賃公司的結(jié)束，財務(wù)的約有930名十億租賃合同余額元。應(yīng)該說，金融租賃業(yè)發(fā)展規(guī)模和中國經(jīng)濟的發(fā)展條件不匹配 3.1存在的問題</p><p>　　雖然中國的金融租賃業(yè)務(wù)起步于1981年，但總體上看

62、，它仍然是一個新的業(yè)務(wù)。在中國，目前還處于發(fā)展的初級階段，外部市場環(huán)境，法律環(huán)境還不夠完善和成熟。作為市場的主體租賃公司的專業(yè)技能，管理水平，風(fēng)險控制能力還有待進(jìn)一步提高。 2011上市的中國金融租賃行業(yè)發(fā)展報告，中國金融租賃業(yè)存在的問題：第一，金融租賃行業(yè)的理解存在誤區(qū)。有關(guān)部門思考金融租賃將推動通脹，因此，金融租賃公司先后通過了規(guī)模控制政策，資金租用企業(yè)的資源來下的影響。在第二個方面，融資租賃業(yè)務(wù)各地發(fā)展不均衡。由于90 ％的全部類

63、型的金融租賃公司都集中在30個城市，包括北京，上海，天津，而全國200多個地級以上城市，包括一些省會城市的其余部分，還沒有一個金融租賃公司。第三，相關(guān)法律法規(guī)不完美的。金融租賃業(yè)的發(fā)展仍然缺乏一個統(tǒng)一的，有效的司法保障。四，金融租賃公司的風(fēng)險意識還比較薄弱。相關(guān)監(jiān)管國家部門的監(jiān)管體系不健全。許多租賃企業(yè)沒有建立有效的風(fēng)險控制機制。一些租賃企業(yè)規(guī)模較小，但生意很快推進(jìn)，資本充足率甚至小于1％ 。在一些綜合租賃企業(yè)業(yè)務(wù)的發(fā)展，售后回的比例

64、租金是太大了。此外，中國的金融租賃行業(yè)監(jiān)管不統(tǒng)一。中國金融租賃業(yè)，根據(jù)</p><p>　　3.2存在的問題及原因。</p><p>　　主要的影響發(fā)展中國金融租賃的原因：一，社會缺乏足夠的認(rèn)識到金融租賃。尋找從這個想法角度看，中國的企業(yè)習(xí)慣于有設(shè)備的產(chǎn)權(quán)，力求本身具有的機械設(shè)備。這就形成部分機器設(shè)備空閑狀態(tài)到一定的程度。事實上，租賃可以大大提高設(shè)備利用率。第二，全面的政策打包的問題。租賃

65、滲透率遠(yuǎn)低于發(fā)達(dá)國家與速度和不兼容中國經(jīng)濟發(fā)展的發(fā)展水平，一個重要原因是相關(guān)法制建設(shè)滯后租賃業(yè)的發(fā)展。在中國，缺乏統(tǒng)一的融資租賃立法和配套法規(guī)還不健全，在現(xiàn)行合同法，法律制度的現(xiàn)實，租金的權(quán)力是關(guān)系得到有效的保障與難度。第三，貨幣供應(yīng)量的問題。租賃企業(yè)缺乏必要的融資渠道，根據(jù)融資方式融資租賃是不獨立募集資金的市場需求，因此，難以滿足租賃業(yè)務(wù)的需求。</p><p>　　4．中國融資租賃發(fā)展推進(jìn)的建議</p

66、><p>　　鑒于金融租賃給小微企業(yè)突出的優(yōu)勢，國家應(yīng)該對金融租賃的發(fā)展給予更多的寬松的貨幣政策。中國自開展金融自租賃業(yè)務(wù)，經(jīng)過30多年的發(fā)展，已初步形成了一定的規(guī)模，但由于租賃公司的管理制度，業(yè)務(wù)范圍狹窄，租賃公司少，影響金融租賃業(yè)發(fā)展的問題。要加快金融發(fā)展租賃，應(yīng)該團(tuán)結(jié)金融租賃管理制度，加強租賃管理。該政府應(yīng)該建立和完善金融租賃立法，完善優(yōu)惠政策。通過擴大在融資租賃的資金來源，并金融租賃的發(fā)展</p>

67、<p>　　4.1建立統(tǒng)一的金融租賃管理體系</p><p>　　由于，金融租賃管理是不均勻的，不一致的監(jiān)管體系。不同類型的租賃公司有不同的管理辦法，自己的能力金融是不是在市場上是相同的，差別大行業(yè)內(nèi)的活動，不平等競爭，從而影響金融租賃的發(fā)展。政府應(yīng)該設(shè)立一個全國性租賃協(xié)會，建立統(tǒng)一的管理系統(tǒng)，實現(xiàn)了統(tǒng)一管理的融資租賃。制定統(tǒng)一的行業(yè)規(guī)范，統(tǒng)一的行業(yè)自律管理發(fā)出措施，明確各類市場準(zhǔn)入條件的租賃公司

68、的業(yè)務(wù)范圍及經(jīng)營程序，完善監(jiān)督制度，管理指標(biāo)。 4.2完善相關(guān)配套政策 加快融資租賃立法，建立健全金融租賃法規(guī)，規(guī)范各類金融租賃公司的產(chǎn)品，清除各類金融租賃公司同等的法律。完善相應(yīng)的優(yōu)惠政策。由于融資租賃具有很強的跨行業(yè)的特點，面臨的稅收，執(zhí)照，注冊產(chǎn)權(quán)，進(jìn)口和出口退稅等一系列政策問題，此外，各個地方的政策不一致的標(biāo)準(zhǔn)，優(yōu)先租賃政策不統(tǒng)一，金融租賃在實際操作過程中存在一定的風(fēng)險。該政府應(yīng)協(xié)調(diào)政策的各個方面，為發(fā)展金融

69、租賃創(chuàng)造了良好的政策環(huán)境。 4.3展開金融租賃基金 因為一個單一的，長期對銀行貸款的資金來源，租賃公司發(fā)展的動力和風(fēng)險控制能力不足。政府應(yīng)使金融租賃貸款的指引，讓金融租賃公司更大的信貸支持。促進(jìn)金融租賃和債券</p><p>　　5.總結(jié)：小微企業(yè)在經(jīng)濟發(fā)展中發(fā)揮的作用越來越突出，因此，促進(jìn)小微企業(yè)發(fā)展的是中國的經(jīng)濟在未來的驅(qū)動力可以保持持續(xù)增長的一個重要方面。如果不解決融資小微企業(yè)的困難，就會影