央行副行长潘功胜：加快发展微型金融组织真正面向小微企业

The central bank vice President PanGong wins:Accelerate the development of micro-financing organizations for real small micro enterprise

　　一段时间以来，小微企业得到的金融支持大幅提升，但总体而言，小微企业在信贷资源配置中仍处不利地位，且尚未形成充分竞争的小微企业金融组织体系。央行副行长潘功胜说，今后将要强化金融基础设施建设，加快发展真正面向小微企业的微型金融组织。

A period of time,Small micro enterprise get financial support improved significantly,But in general,Small micro enterprise in the credit in the allocation of resources still at disadvantage,Has not been formed and fully competitive small micro enterprise financial organization system.The central bank vice President PanGong - said,The future will strengthen the financial infrastructure construction,To speed up the development of the real small micro enterprise in micro-financing organizations.

　　潘功胜是在出席由全国政协提案委员会办公室、北京银行(601169,股吧)等共同举办的金融支持小微企业发展主题座谈会上作出上述表述的。

PanGong - is in the Chinese people's political consultative conference attended the proposal committee office/Beijing bank(601169,guba)Jointly held financial support small micro enterprise development theme forum to make the above description.

　　据央行统计数据显示，截至今年三季度末，小、微企业贷款余额达到11.56万亿，较2009年一季度末增长2.6倍，占全部企业贷款比重也相对由2009年一季度末的20.5%上升到28.6%，同期，大、中企业贷款余额同比累计增长1.6倍，占比则从79.5%下降为71.4%。

According to the statistical data shows that the central bank,As at the end of the year to the third quarter,small/Small enterprise loan balance reached 11.56 trillion,A at the end of the first quarter of 2009 increased by 2.6 times,Of all enterprise loan proportion is relatively by the end of the first quarter of 2009 to 20.5%,Over the same period,big/The enterprise loan balance the accumulative increase compared to 1.6 times,Account for the ratio from 79.5% to 71.4%.

　　资金紧、融资难往往是小企业多种经营困难的外在表现，潘功胜说，尤其在当前经济下行特别是国际市场低迷，以加工制造出口为主的小企业受到的冲击还可能持续，在这种情况下，尽管近年来对小企业的贷款增速明显高于大、中企业，但其资金紧张和融资难问题仍会存在。

Money tight/Financing difficult is often a variety of small businesses face difficulties in their business operation of the external performance,PanGong - said,Especially in the current economy down especially the international market downturn,To export processing and manufacturing mainly by the small impact is likely to continue,In this case,Although in recent years to small business loan growth is obviously higher than that of the big/Enterprise in,But the financial strain and financing difficult problem still exists.

　　潘功胜强调，在当前和今后一个时期，仍要在强化金融基础设施建设、健全金融体系、完善配套政府等方面做出努力。具体来说，应加快整合小企业信用信息，大力发展电子化的高效动产质押登记系统，修订会计审计标准，完善破产法规等市场退出制度，全面优化小企业金融生态，推动小企业融资便利化。

PanGong - emphasize,In the current and future a period,Should remain in strengthen the financial infrastructure construction/Sound financial system/Complete set government efforts, etc.specifically,Should speed up the integration of small business credit information,Vigorously develop electronic efficient movable property pledge registration system,Revised accounting audit standard,Perfect bankruptcy laws and regulations and so on market exit system,Comprehensive optimization of small business financial ecology,Promote small business financing facilitation.

　　“未来还要加快发展真正面向小微企业的微型金融组织。”潘功胜说，国内外实践反复证明，大银行为主的微型金融供给模式已不能满足小微企业需求，需要大力发展与小企业具有信息和交易成本对称优势的微型金融组织。

"The future will accelerate the development of the real face small micro enterprise in micro-financing organizations."PanGong - said,The practice proved repeatedly at home and abroad,Big bank primarily micro financial supply mode can't meet the small micro enterprise needs,Need to develop and small businesses have information and transaction cost symmetric advantage in micro-financing organizations.