和讯网消息 第三届中国西部金融论坛9月25日在成都举行，工业和信息化部中小企业司副司长许科敏在论坛上表示，要进一步探索支持中小企业融资的有效途径和措施，帮助中小企业渡过难关，促进中小企业持续健康发展。

HeXunWang news the third China western financial BBS on September 25, held in chengdu,Ministry of industry and information of small and medium-sized enterprise department deputy director general XuKeMin in BBS on Wednesday,To further explore support small and medium-sized enterprise financing effective ways and measures,To help small and medium-sized enterprise tide over the difficulties,To promote the sustained and healthy development of small and medium-sized enterprises.

　　许科敏表示，国务院出台了关于进一步支持微型企业健康发展的意见，也就是国发14号文件，这件文件共提出了29条政策措施，既考虑当前小微企业的困难，又注重引导企业自身的动力，还提出了支持企业长期平稳发展的长效机制。

XuKeMin said,The state council issued on further support the healthy development of the miniature enterprise opinion,Is guo fa 14 files,This file were proposed article 29 policies and measures,Not only consider the current small micro enterprise difficulties,And pay attention to lead the enterprise own power,Also puts forward support enterprise long-term steady development of the long-term mechanism.

　　许科敏透露，国发14号文件已经分解到国务院15个部门进行细化和落实，下一步把缓解融资难和中小企业的环境，与中小企业的转型升级结合起来，使中小企业的融资环境得到进一步的改善。最近国务院领导同志先后到部分省市调研经济运行情况时，也多次强调要高度关注中小企业的发展，给予特殊的扶持政策，加大现有政策的贯彻落实。

XuKeMin revealed,Guo fa 14 documents have been decomposed to 15 departments under the state council for refining and implement,The next step to ease the financing difficulties of small and medium-sized enterprises and the environment,And small and medium-sized enterprises transformation and upgrading of the combination,Make small and medium-sized enterprise financing environment to further improve.Recently the state council leading comrades have to research some provinces and cities and economic operation situation,Also has repeatedly stressed the need to paid close attention to the small and medium-sized enterprise development,Give special support policy,Increase the existing policy implementation.

　　许科敏还透露，创投企业发展迅猛，截至2011年底，全国经过备案的创投机构达到882家，当年新增投资额297.32亿元。

XuKeMin also revealed,Create throws the enterprise developing rapidly,By the end of 2011,The record of the vc institutions through to 882,The new investment of 29.732 billion yuan.

工业和信息化部中小企业司副司长许科敏 Ministry of industry and information of small and medium-sized enterprise department deputy director general XuKeMin

　　以下为许科敏发言实录：

The following is XuKeMin speech memoir:

　　各位来宾，朋友们，下午好。借此机会我讲三点意见，供大家参考。

Ladies and gentlemen,friends,Good afternoon.I would like to take this opportunity to express my opinion in three aspects about,For your reference.

　　一正确认识当前复杂经济形势对中小企业发展，从国际看世界经济复苏，欧债危机短期内难以解决，美国失业率仍处于高位。主要新兴经济体也难以独善其身，出现了增长的放缓。据国际货币基金组织预测今年世界经济的增长速度是3.5%，低于2011年3.9%的增速。从国内看经济下行的压力依然较大，截至二季度GDP增速连续6个季度回落，随着国家出台一系列的稳增长的措施，目前消费出口等经济指标开始回升或者降幅缩窄，显示了经济回升的难度加大。出现了一些值得关注的新情况，特别是小型微型企业面临的困难和问题比较突出。主要的问题是生产经营成本的持续上涨。我们在调研中发现，小微企业生长成本中用工的成本上升最大普遍占20-30%，原材料稍好一些。民间借贷的年化利率已经超过20%，物流成本的上涨也占10%以上。另外一个突出的问题是市场需求萎缩，定单不足，不少小微企业反映定单下降20%至50%，另外制约中小企业发展的融资难，税费负担重的问题依然比较突出。中小企业公共服务不足，结构调整的难度加大，这些问题相互影响，相互叠加，挤压了中小企业的利润空间，造成停产半停产的企业增多。国务院出台了关于进一步支持微型企业健康发展的意见，也就是国发14号文件，这件文件既考虑当前小微企业的困难，又注重引导企业自身的动力，还提出了支持企业长期平稳发展的长效机制。共提出了29条政策措施，最近国务院领导同志先后到部分省市调研经济运行情况时，也多次强调要高度关注中小企业的发展，给予特殊的扶持政策，加大现有政策的贯彻落实。面对复杂多变的经济形势，我们要坚定信心，坚决贯彻执行党中央、国务院，支持中小企业发展的政策，把支持中小企业的发展摆在突出的重要位置。引导中小企业加快科技创新，努力提高盈利水平，增强企业的可持续发展能力。

A correct understanding of the current complex economic situation on small and medium-sized enterprise development,To see the world from the international economic recovery,The debt crisis in the short term is difficult to solve,The United States unemployment remains high.The main emerging economies would be difficult to possess,Appeared the slowdown in growth.According to the international monetary fund expects this year's world economic growth rate is 3.5%,Less than 3.9% of the growth in 2011.From domestic see economic downward pressure is still large,By the second quarter GDP growth continuous six quarters back,As the country has issued a series of steady growth measures,At present consumption export, economic indicators began to rebound or by constriction,Display the economy picks up the difficulty of the increase.There have been some is worth to pay close attention to the new situation,Especially small miniature enterprise faced with difficulties and problems is more outstanding.The main problem is the production and business operation costs continue to rise.We found in the investigation,Small micro enterprise growth cost labor in the rise in the cost of the largest common 20-30%,Raw materials are a bit better.Folk lending annualised rate has exceeded 20%,Logistics costs also accounted for more than 10%.In addition a prominent problem is the market demand atrophy,Lack of order,Many small micro enterprise reflects orders fell by 20% to 50%,Also restrict the development of small and medium-sized enterprise financing difficulties,Tax and fee burden problem is still outstanding.Small and medium-sized enterprises lack of public service,Structural adjustment difficulties,These problems influence each other,Stack with each other,Squeeze the small and medium-sized enterprise profit space,Cause idling BanTingChan enterprise increase.The state council issued on further support the healthy development of the miniature enterprise opinion,Is guo fa 14 files,This file has taken into consideration both the current small micro enterprise difficulties,And pay attention to lead the enterprise own power,Also puts forward support enterprise long-term steady development of the long-term mechanism.Article 29 were put forward policies and measures,Recently the state council leading comrades have to research some provinces and cities and economic operation situation,Also has repeatedly stressed the need to paid close attention to the small and medium-sized enterprise development,Give special support policy,Increase the existing policy implementation.Facing the complex economic situation,We must enhance our confidence,Firmly implement the party central committee/The state council,Support the small and medium-sized enterprise development policy,To support the development of small and medium-sized enterprises in prominent important position.Guide the small and medium-sized enterprises to speed up scientific and technological innovation,To improve the level of profitability,The enhancement enterprise's sustainable development ability.

　　二、缓解中小企业融资难工作取得了积极的进展。上个世纪九十年代随着我国对非公市场经济准入的放宽，中小企业快速的发展，并由此带来对融资需求急剧的增加。与金融市场间存在严重的信息不对称，以大银行的主导机构对中小企业的业务积极性不高，同时中小企业自身素质不高，也增加了融资的难度。对此国家有关部门和地方政府高度重视，积极采取有效措施，努力增加对中小企业的金融支持。在间接融资方面，人民银行银监会等方面不断完善信贷政策，两个不低于的定量指标，差别化准备金率，小企业贷款差异化的监管等等手段，引导银行业金融机构加大对中小企业的信贷投放。截至今年5月末全国金融机构贷款余额62.35万亿元，其中中型企业贷款14.82万亿，比年初增加了1.09万亿，小微企业的贷款余额10.84万亿占全国的11.38%。中小企业的信用担保机构也得到了稳步的发展，截至2011年中小企业信用担保机构一共是4339家，增长了32%。实收资本总额达到了4359亿元。同时针对中小企业的抵押问题，2011年8月份，财政部、工信部等六个部门开展了知识产权质押融资，有力的促进了中小企业的融资。同时银行业金融机构针对中小企业需求特点不断创新信贷产品，应收帐款，商业保险，经营权等都可以作为融资的资产。自主循环担保，担保贷款，供应链融资，网络融资等方式也受到了中小企业的欢迎。其中小额贷款公司的发展速度更快，截至今年6月末全国已有小额贷款公司5267家，这些新兴金融机构的贷款大部分都是投向中小企业，是中小企业信贷的一个重要补充。在直接融资方面，中小企业板，创业板已初具规模。今年6月中小企业私募债也正式开始发行，为中小企业提供了一种更新兴，更便捷的直接债务融资工具，同时创业投资扶持的政策也不断完善，创投企业发展迅猛，截至2011年底，全国经过备案的创投机构达到882家，当年新增投资额297.32亿元，应该看到近年来在各方面的共同努力下，缓解中小企业融资难取得了新的进展，但融资仍然是制约中小企业发展的突出问题，解决这一问题仍然是任重而道远，我们要加大工作的力度，推进中小企业的产品的创新，为中小企业的发展构建良好的发展环境。

two/Small and middle-sized enterprise financing difficult work has made positive progress.The last century ninety s along with our country market economy of non-public ownership access eased,Small and medium-sized enterprise fast development,And thus bring the financing demand increased sharply.And financial market exists between serious information asymmetry,The dominant institutions with big Banks to small and medium-sized enterprise business enthusiasm is not high,At the same time, small and medium-sized enterprise own quality is not high,Also increased the difficulty of financing.To the relevant departments of the state and local government attaches great importance to,Actively take effective measures,Efforts to increase financial support to small and medium-sized enterprises.In the indirect financing issues,People's bank banking regulatory commission (CBRC) continue to perfect credit policy,No less than two quantitative index,Differentiation reserve ratio,Small business loan differentiated regulation and so on means,Guide the banking financial institutions to small and medium-sized enterprises increase the credit availability.By the end of may this year the national financial institutions loan balance is 62.35 trillion yuan,The medium-sized enterprise loans 14.82 trillion,The 1.09 trillion more than at the beginning,Small small enterprise loan balance 10.84 trillion 11.38% of China's total.Small and medium-sized enterprises credit guarantee institutions have also been steady development,By 2011 years small business credit guarantee institutions is a total of 4339,Increased by 32%.Total paid-in capital reached 435.9 billion yuan.At the same time according to the small and medium-sized enterprise mortgage problems,August 2011,The ministry of finance/Work letter department and so on six departments to carry out the knowledge property rights pledge financing,A strong promotion to the small and medium-sized enterprise financing.At the same time, banking financial institutions to small and medium-sized enterprise demand characteristic constant innovation credit products,Accounts receivable,Commercial insurance,Management and so on all can be used as a financing assets.Of spontaneous circulation guarantee,Guaranteed loans,Supply chain financing,Network financing mode is also affected by the small and medium-sized enterprise welcome.The small loan company's development speed is faster,By the end of June this year the country had been micro-credit company 5267,These emerging financial institution loans mostly to small and medium-sized enterprises,Small and medium-sized enterprise credit is one of the important supplement.In the aspect of direct financing,Small and medium-sized enterprise board,Gem has begun to take shape.Small six months this year SiMuZhai also officially began to issue,For small and medium-sized enterprises to provide a more emerging,More convenient direct debt financing tool,At the same time venture investment support policy and constantly improve,Create throws the enterprise developing rapidly,By the end of 2011,The record of the vc institutions through to 882,The new investment of 29.732 billion yuan,Should see in recent years in the joint efforts of all aspects,To alleviate the financing of small and medium enterprises have made new progress,But financing is still restricted the development of small and middle-sized enterprises outstanding problems,To solve this problem is still have a long way to go,We need to increase the strength of the work,Small and medium-sized enterprises promote the innovation of the products,For the development of small and medium-sized enterprises construct good development environment.

　　三继续努力，改善小型微型企业的金融服务。国发14号文件提出了缓解中小企业融资难的一揽子的措施。主要是这么几个方面，一是加大信贷投资力度。增量要高于同期水平，举行执行较低的存款准备金率，建立小企业信贷奖励的考核制度，落实差异化监管政策。适当提高对小型微型企业贷款的不良率的容忍度，优先支持符合条件的商业银行发行专项的金融债。二是加快小型金融机构适当放宽民间资本，参股设立小金融机构的条件。适当放宽小额贷款公司单一投资，支持和鼓励银行业金融机构到中西部设立村镇银行，引导小金融机构增加服务网点，向县域和乡镇延伸。符合条件的小额贷款公司可以改制为村镇银行。三是拓宽融资渠道，推进多层次债券市场的健全，加快统一监管的场外市场的建设步伐。扩大小型微型企业集合票据，集合债券集合信托和短期融资券的规模支持小型微型企业采取知识产权质押，仓单质押，商业信用保险保单质押，商业保理，典当等多种融资方式。四是加强信用担保服务。大力推进中小企业信用担保体系的建设，继续执行对符合条件的信用担保机构免征营业税政策。加快推进运用外资设立担保公司的政策，积极发展再担保机构，改善信用保险服务，定制符合小型微型企业需求的保险产品。推动建立担保机构与银行业金融间，开展企业信息升级和信用等级评价工作。五是规范融资服务，开展商业银行服务收费的检查。清理纠正金融服务的不合理收费，有效遏制民间借贷高利贷化倾向，以及大型企业的变相转贷现象，依法打击非法集资、金融传销等违法活动。今年8月份国发14号文件的方案，已经分解到国务院15个部门进行细化和落实。下一步把缓解融资难和中小企业的环境，与中小企业的转型升级结合起来，使中小企业的融资环境得到进一步的改善。

Three continue to work hard,Improve the small miniature enterprise's financial services.Guo fa 14 paper alleviate the financing of small and medium enterprises difficult to a package of measures.Main is so several aspects,One is to increase credit investment.Incremental to be higher than the level of the same period,Held executive lower the deposit reserve rate,Establish small business credit rewards evaluation system,Implement differentiated regulation policy.Appropriate increase of small miniature enterprise loans fraction defective tolerance,Priority support qualified commercial Banks issued the special financial bond.Two is to accelerate the small financial institutions relax appropriately folk capital,Participation of financial institutions set up small conditions.Relax appropriately small loan companies a single investment,Support and encourage financial institutions in the banking industry to the Midwest village bank set up,Lead small financial institutions to increase the service network,To the county and township extensions.Meet the conditions of the petty loan company can reorganized into a town bank.The third is to broaden the financing channels,Promote multi-level bond market sound,Speed up unified supervision of the otc market construction pace.Expand small miniature enterprise set bill,Set bond set trust and the size of the short-term financing bonds to support small miniature enterprise take intellectual property rights pledge,Warehouse receipt pledge,Commercial credit insurance policy pledge,Commercial factoring,Pawn and so on the many kinds of financing ways.The fourth is to strengthen the credit guarantee service.Vigorously promote sme credit guarantee system construction,Continue to meet the conditions of the credit guarantee institution shall be exempted from the business tax policy.Accelerate the establishment of using foreign capital guarantee company policy,The positive development of guarantee agencies again,Improve the credit insurance service,Custom accord with small miniature enterprise demand of insurance products.Promote the establishment of banking financial institutions and guarantee between,To carry out enterprise information upgrades and credit rating evaluation work.Five is to regulate financial services,To carry out commercial bank service fees inspection.Clean up correct financial services unreasonable fees,Effectively folk lending usury tendency,As well as large enterprise disguised onlend phenomenon,To combat illegal funds in accordance with law/Financial MLM and other illegal activities.In August of this year nation 14 file solutions,The state council has decomposition to 15 departments refining and implement.The next step to ease the financing difficulties of small and medium-sized enterprises and the environment,And small and medium-sized enterprises transformation and upgrading of the combination,Make small and medium-sized enterprise financing environment to further improve.

　　各位来宾，面对严峻的形势，面对中小企业对金融创新迫切的需求，我们要携手努力开拓进取，进一步探索支持中小企业融资的有效途径和措施，帮助中小企业渡过难关，促进中小企业持续健康发展，谢谢大家。

Ladies and gentlemen,We are facing a serious situation,In the face of the small and medium-sized enterprise to finance innovation urgent demand,We will hand in hand to forge ahead,To further explore support small and medium-sized enterprise financing effective ways and measures,To help small and medium-sized enterprise tide over the difficulties,To promote the sustained and healthy development of small and medium-sized enterprises,Thank you.