英语翻译随着我国经济的发展及国有企业的改革,中小企业在我国国有经济、地域经济和、地域经济和农村经济中所发挥的作用已经达到

英语翻译
随着我国经济的发展及国有企业的改革,中小企业在我国国有经济、地域经济和、地域经济和农村经济中所发挥的作用已经达到一个不可替代的地位.但就目前中小企业的发展情况来看仍然是困难重重,尤其是融资问题首当其冲.本文首先通过了解目前我国中小企业的融资现状体现其困境,然后通过深入地了解其融资的方式和结构以推测其内在成因.然后以此为指导研究问题的所在并分析融资难的原因主要存在于企业本身的抵押资产少、治理结构不规范、社会信用偏低及经营风险较高；商业银行的认识偏差、组织不经济和信息不对称；社会的信用评估和担保体系不健全、资本市场不完善三个方面.因此在政策建议中也相应的根据这些原因设计了一下解决方案,主要有四点,一是完善我国中小企业融资的法律法规,及相关体系如担保体系,二是在国有商业银行改革中应重视中小企业的信贷融资强化银企合作的概念,三是采用多种融资渠道,最后则是要完善中小企业的制度,健全治理结构.

Along with our country economy development and the state-ownedenterprise's reform,mid- and small-scale enterprise the functionwhich in the our country state economy,the region economy and,in theregion economy and the rural economy displayed already achieved couldnot be substituted status.But on at present mid- and small-scaleenterprise the development situation looked still was is beset withdifficulties,finances the question to bear the brunt in particular.This article first at present mid- and small-scale enterprise ourcountry the financing present situation manifests its difficultposition through the understanding,then through thoroughly among themunderstood its financing the way and the structure extrapolate in theorigin.Then finances the difficult reason take this as theinstruction research question in and the analysis mainly to exist tothe enterprise itself mortgage property few,the government structurenot standard,the social credit somewhat low and the management riskis higher; Commercial bank's understanding deviation,the organizationnot economy and the information are asymmetrical; Society's creditappraisal and the guarantee system are not perfect,the capital marketimperfect three aspects.Therefore in the policy suggested alsocorresponding basis these reasons have designed the solution,mainlyhas four points,one is consummates mid- and small-scale enterpriseour country the financing legal laws and regulations,and thecorrelation system like guarantee system,two is reforms in thestate-owned commercial bank should take mid- and small-scaleenterprise the credit financing strengthening silver businesscooperation concept,three uses the many kinds of financing channel,finally is must consummate mid- and small-scale enterprise the system,perfectly governs the structure.