凯旋棋牌

加快破解民營小微企業融資難“最先一公里”

2020年01月13日 08:28:56
來源: 經濟日報 作者: 董希淼

  MINYINGHEXIAOWEIQIYERONGZINANSHIQUANSHEHUIGAODUGUANZHUDEHUATI。2018NIAN11YUE,XIJINPINGZONGSHUJIZAIMINYINGQIYEZUOTANHUISHANGQIANGDIAO,YAOYOUXIANJIEJUEMINYINGQIYETEBIESHIZHONGXIAOQIYERONGZINANSHENZHIRONGBUDAOZIWENTI,TONGSHIZHUBUJIANGDIRONGZICHENGBEN。YINIANHOU,2019NIAN12YUE,ZHONGGONGZHONGYANG、GUOWUYUANYINFA《GUANYUYINGZAOGENGHAOFAZHANHUANJING ZHICHIMINYINGQIYEGAIGEFAZHANDEYIJIAN》,CONGYOUHUAYINXINGFUWUTIXI、WANSHANZHIJIERONGZIZHIDU、JIANQUANZENGXINTIXIDENGFANGMIANDUIPOJIEMINYINGHEXIAOWEIQIYERONGZINANTIJINXINGBUSHU。

  ZHENDUIMINYINGHEXIAOWEIQIYERONGZINAN、RONGZIGUI、RONGZIMANXIANXIANG,XIANGGUANBUMENHEJINRONGJIGOUCAIQULEYIXILIEYOUXIAOCUOSHI,QUDELEMINGXIANCHENGXIAO。DANDANGQIANDEGONGZUOJIAODUOZHENDUIMINYINGHEXIAOWEIQIYERONGZI“ZUIHOUYIGONGLI”WENTI,RUXUDAIWENTI。ERGENGWEIPOQIEDESHI“ZUIXIANYIGONGLI”WENTI,YINGZHUAJINCAIQUQIESHICUOSHIJINXINGPOJIE。

凯旋棋牌  2019NIANYILAI,ZHONGGUORENMINYINXINGHEJINRONGJIANGUANBUMENZAIJIEJUEXUDAIWENTISHANGJINXINGLEDUOCIBUSHU。RU2019NIAN2YUE,ZHONGGUOYINBAOJIANHUI《GUANYUJINYIBUJIAQIANGJINRONGFUWUMINYINGQIYEYOUGUANGONGZUODETONGZHI》QIANGDIAO:JIADAXUDAIZHICHILIDU,YAOZHISHAOTIQIANYIGEYUEZHUDONGDUIJIEXUDAIXUQIU,QIESHIJIANGDIMINYINGQIYEDAIKUANZHOUZHUANCHENGBEN;2019NIAN3YUE,ZHONGGUOYINBAOJIANHUIBANGONGTINGZAI《GUANYU2019NIANJINYIBUTISHENGXIAOWEIQIYEJINRONGFUWUZHIXIAODETONGZHI》ZHONGYAOQIU:JIADAXUDAIZHENGCELUOSHILIDU,HELITIGAOXUDAIYEWUZAIXIAOWEIQIYEDAIKUANZHONGDEBIZHONG,JIANHUAXUDAIBANLILIUCHENG。BUFENDIQURUBEIJINGSHI,HUANZHUANMENCHENGLIQIYEXUDAISHOULIZHONGXINDENGJIGOU。ZHEXIECUOSHIDOUYOUZHUYUHUANJIEMINYINGHEXIAOWEIQIYERONGZIKUNNAN。

  DANJIDAIPOJIEDE“ZUIXIANYIGONGLI”WENTI,JIMINYINGHEXIAOWEIQIYESHOUDAIWENTI,MUQIANHUANYINGDEDAOGAODUZHONGSHI。SUOWEIDESHOUDAI,JISHOUCIDAIKUAN,SHIZHIZAIZHONGGUORENMINYINXINGZHENGXINBAOGAOZHONGWUDAIKUANJILUDEQIYESHOUCICONGYINXINGYEJINRONGJIGOUHUODEDAIKUAN。MUQIANWOGUOYUEYOUXIAOWEIQIYE3000WANHU、GETIGONGSHANGHU7300WANHU。ERCONGYINXINGHUODEDAIKUANDEYUEWEI1800WANHU,JINZHAN17.5%。YEJIUSHISHUOYOUCHAOGUO80%DEMINYINGHEXIAOWEIQIYE(GETIGONGSHANGHU)WEICONGYINXINGTIXIHUODEDAIKUAN。

  SHOUDAIWEISHENMECHENGWEIYIGENANTI?ZHUYAOSHIYINWEICUNZAIXINXIBUDUICHENGXIANXIANG。MUQIAN,WOGUOCHANYEHUANJING、ZHENGXINFUWUYUDANBAOTIXIDENGHUANBUGOUWANSHAN,SHIDEJINRONGFUWUGONGGEIZHEYUXUQIUZHEZHIJIANNANYIXINGCHENGYOUXIAOGOUTONG。TEBIESHIZAISHANGYEYINXINGYUMINYINGHEXIAOWEIQIYEZHIJIAN,XINXIBUDUICHENGMAODUNGENGWEITUCHU:YIFANGMIAN,YINXINGNANYISHOUJIHEZHENBIEMINYINGHEXIAOWEIQIYEYOUXIAOXINXIBINGJUCIJINXINGXINDAIJUECE;LINGYIFANGMIAN,MINYINGHEXIAOWEIQIYEWEIQUANMIANLEJIEYINXINGCHANPINHEFUWU,NANYIMAICHUJIANLIYINQIGUANXIDEDIYIBU。

凯旋棋牌  CONGSHIJIANCENGMIANKAN,JINRONGJIANGUANBUMENXIANYOUZHENGCEWENJIANDUISHOUDAIJINXINGBUSHU,TICHUYAOQIU。CAIZHENGZHENGCE、HUOBIZHENGCEDENG,BINGWEIDUISHOUDAIJINXINGYOUXIAODEJILI。ERSHANGYEYINXINGQUEFAZHUANMENDESHOUDAIJIZHIANPAI,BAOKUOSHOUXINZHENGCE、XINDAIJIHUADENG,YEWEIKAIFAZHENDUIXINGDECHANPINHEFUWU。YIBANERYAN,HUOQUXINKEHUDECHENGBENXIANZHUGAOYUWEIHULAOKEHU。ERZAIJINGJIXIAXINGZHOUQI,YINXINGJICENGJIGOUHEYUANGONGDUITUOZHANXINDEMINYINGHEXIAOWEIQIYEKEHUQUEFAJIJIXING。

  SHOUDAISHIQIYECONGJINRONGJIGOURONGZIDEQIDIAN。YOUGUANSHUJUXIANSHI,MINYINGHEXIAOWEIQIYEHUODESHOUCIDAIKUANHOU,HOUXUZAIHUODEDAIKUANDEKENENGXINGJIANGDAFUTIGAO,ERQIEDAIKUANLILVYOUWANGXIAXING,DAIKUANSUDUYEJIANGJIAKUAI。WEIZHONGYINXING·YINXINGYONGHUTIYANLIANHESHIYANSHIFABUDE《2019NIANYINXINGYEYONGHUTIYANDADIAOYANBAOGAO》XIANSHI,63.5%DEMINYINGHEXIAOWEIQIYEZHUBIAOSHIYINXINGDAIKUANSHENQINGSHOUXUMAFAN,DANYOUGUODIYICIYINXINGDAIKUANHOU,94.4%YUANYIJIXUSHIYONGYINXINGDAIKUAN。YINCI,“SHOUDAINAN”WENTISHIMINYINGHEXIAOWEIQIYERONGZIKUNJINGDE“ZUIXIANYIGONGLI”。HUANJIEMINYINGHEXIAOWEIQIYERONGZIKUNJING,ZHONGDIANHENANDIANZHIYISHIPOJIE“SHOUDAINAN”WENTI。

  BUFENDIQUZAIZHEFANGMIANJINXINGLETANSUOHESHIJIAN,QUDELEYIDINGXIAOGUO。RUZHEJIANGYINBAOJIANJUJINNIANLAIZHENDUISHOUDAIQIYE“QUEXINXI、QUEQUDAO”“ZHENGXINSHAO、PINGGUNAN”“CHENGXUFAN、SHENPICHANG”“DANBAORUO、FENGXIANGAO”DENGWENTI,DUOCUOBINGJUPOJIEXIAOWEIQIYE“SHOUDAINAN”;RENMINYINXINGJINANFENXING2019NIAN4YUEKAISHIZAISHANDONGSHENGKAIZHAN“ZHONGXIAOQIYESHOUDAIPEIZHIXINGDONG”,PEIZHIHOUZHONGXIAOQIYEDAIKUANHUODELVDA88%,SANJIDUDAIKUANLILVJIAOQIANSANJIDUPINGJUNLILVXIAJIANG0.15GEBAIFENDIAN;2019NIAN10YUE,RENMINYINXINGNANNINGZHONGXINZHIXINGLIANHEGUANGXIYINBAOJIANJU,TUICHUGUANGXI“MINWEISHOUDAI”TISHENGJIHUA。

  YINGGAISHUO,BUFENDIQUXIANXINGXIANSHI,WEIPOJIEMINYINGHEXIAOWEIQIYE“SHOUDAINAN”WENTIJILEILEBAOGUIJINGYAN。XIAYIBU,YINGSHUDUBINGJU,BIAOBENJIANZHI,ZAIQUANGUOFANWEINEIJIJIPOJIE“SHOUDAINAN”WENTI,GENGHAODIHUANJIEMINYINGHEXIAOWEIQIYERONGZINANTI。JUTIERYAN,BIZHEYOUQIGEFANGMIANDEJIANYI:

  DIYI,ZHONGSHISHOUDAINANTI。MINYINGHEXIAOWEIQIYEDAIKUANNAN,SHOUXIANZAI“SHOUDAINAN”。YAOJIANCHISHOUDAI、XUDAILIANGSHOUZHUA,JIANGPOJIE“SHOUDAINAN”WENTIZUOWEIZHICHIMINYINGHEXIAOWEIQIYEGAIGEFAZHANDEZHONGYAOZHUASHOU,HUADALIQICONGTIZHIJIZHI、JICHUSHESHI、CHANPINFUWU、KAOHEJILIDENGFANGMIANCAIQUZHENDUIXINGCUOSHI。RENMINYINXINGHEYINBAOJIANHUIKECHUTAIZHUANMENWENJIAN,DUISHOUDAIGONGZUOJINXINGBUSHUHEANPAI,YINDAOHEGULIJINRONGJIGOUJIADADUISHOUDAIDEZHICHIFUWU。

  DIER,WANSHANZHIDUANPAI。YINBAOJIANHUIKEYOUHUA“LIANGZENG”KAOHETIXI,JIANGSHOUDAIZUOWEIDANLIEZHIBIAOLIERUXIAOWEIJINRONGFUWUKAOHE;JIANLIYUEDUTONGJITONGBAOZHIDU,JIAQIANGDUISHOUDAITOUFANGDEJIANCEHEZHIDAO。TONGSHI,FANGKUANDUISHOUDAILILVHEBULIANGDAIKUANLVYAOQIU,GENGHAODIFAHUISHICHANGJIZHIZUOYONG。SHANGYEYINXINGYINGDUISHOUDAIYOUGUANDEXINDAIZHUNRU、SHENPIDENGZHIDUHELIUCHENGXIUDINGWANSHAN。CIWAI,YOUGUANBUMENKEDUIMINYINGHEXIAOWEIQIYESHOUDAILIXIZUOSHIDANGBUTIE。

  DISAN,JIANHAOXINXIPINGTAI。DAPOGEZHENGFUBUMEN“XINXIGUDAO”,ZHENGHESHICHANGJIANGUAN、SHUIWU、HAIGUANDENGBUMENJIWANGLUOPINGTAIXINXI,ZHUAJINDAJIANQUANGUOTONGYIDEXINYONGXINXIGONGXIANGPINGTAI,MIANFEITIGONGGEIYINXINGSHIYONG,POJIEYINQIXINXIBUDUICHENGWENTI。GULIYOUTIAOJIANDEDIFANGJIANSHEDIQUXINGJINRONGFUWUXINYONGXINXIPINGTAI,XUANZEHESHIFANGSHIDUIJIEQUANGUOXINGPINGTAI。TONGSHI,FAHUIZHENGXINJIGOURUBAIXINGZHENGXINDEZUOYONG,TANSUOTUICHUMINYINGHEXIAOWEIQIYEZHENGXINBAOGAO。

  DISI,CHUANGXINFUWUMOSHI。JIAKUAIFAZHANZHONGXIAOYINXING,ZAIJIAQIANGFENGXIANFANGFANDEQIANTIXIA,TANSUOHETUIGUANGHULIANWANGYINXING、HULIANWANGDAIKUANMOSHI,GULIWEIZHONGYINXING、XINWANGYINXINGDENGMINYINGYINXINGJIAKUAICHANPINCHUANGXIN,JIADAMINYINGHEXIAOWEIQIYEDAIKUANTOUFANG。TONGGUOSHELIMINYINGQIYEXINYONGBAOZHENGJIJIN、CHUANGXINRONGZIDANBAOFANGSHIDENGBANFA,POJIEDANBAONAN、ZENGXINNANDENGWENTI。YUNYONGJINRONGKEJISHOUDUAN,TISHENGSHOUDAIDEFENGKONGNENGLIHEXIAOLV,SHISHOUDAIGENGJUSHANGYEKECHIXUXING。

凯旋棋牌  DIWU,GAIJINCHANPINFUWU。SHANGYEYINXINGYINGZHIDINGSHOUDAITOUFANGJIHUA,ZAIXINDAIGUIMO、NEIBUZIJINZHUANYIJIAGEDENGFANGMIANJINXINGZHUANMENANPAI;ZHUDONGPOJIEXINXIBUDUICHENG,JIADAXINGNEISHUJUZHENGHEYINGYONG,BINGDUIJIEZHIFULEISHUJU、ZHENGWULEISHUJU、SHANGWULEISHUJUDENG“TIDAIXINGSHUJU”,YANFAZHENDUIXINGCHANPIN。SHENGJIXINDAIGUANLIXITONG,DAJIANMINYINGHEXIAOWEIQIYEZHUANMENDESHOUXINMOXING、KAIFASHOUJIYINGYONGCHENGXU,SHISHOUDAILIUCHENGGENGJIANHUA、FANGKUANGENGKUAIJIE、HUANKUANGENGLINGHUO。

凯旋棋牌  DILIU,JIADAZHENGXIANGJILI。DUIMINYINGHEXIAOWEIQIYESHOUDAIBILIJIAOGAODEYINXING,RENMINYINXINGZAICUNKUANZHUNBEIJINLVSHANGGEIYUYOUHUI,ZAIZAIDAIKUAN、ZAITIEXIANDENGFANGMIANGEIYUYOUXIANZHICHI;YINBAOJIANHUIFANGKUANXIAOWEIJINRONGFUWUDENGKAOHEYAOQIU,CHUANGZAO“YUANDAI”“GANDAI”DEZHENGCEHUANJING。TONGSHI,SHANGYEYINXINGYINGZAIKAOHEZHONGJINYIBUXIHUABINGLUOSHIHAORONGCUOJIUCUOHEJINZHIMIANZEDENGCUOSHI,TIGAOSHOUDAIBULIANGLVRONGRENDU,GULIJICENGJIGOUHEKEHUJINGLIJIJIFAFANGSHOUDAI。

凯旋棋牌  DIQI,JIAQIANGQIYEPEIXUN。JIAQIANGDUIMINYINGHEXIAOWEIQIYEZHUJICAIWURENYUANDEZOUFANG、PEIXUN,ZENGJINYINQIGOUTONG,PUJIJINRONGZHISHI,TUIJIECHANPINFUWU,DUIJIEQIYESHOUDAIXUQIU,TIGAOSHOUDAIGONGXUPIPEIDEJINGZHUNDU,JIEJUEQIYEDUIYINXINGCHANPINYUFUWUBULEJIEDENGWENTI。CIWAI,HUANYINGJIAQIANGMINYINGHEXIAOWEIQIYEJICHUGUANLISUZHIJIAOYUYUPEIXUN,GENGHAOFUWUQIYEZHUANXINGSHENGJIHEGAOZHILIANGFAZHAN,CONGGENBENSHANGTIGAOQIYEJINGYINGGUANLISHUIPINGHERONGZINENGLI。

凯旋棋牌  (ZUOZHEDANWEI:LANZHOUDAXUEGUANLIXUEYUAN)

標簽 - 小微,企業客戶,企業培訓,民營銀行,企業金融
網站編輯 - 張芯蕊