孙红娟

SunGongJuan

　　昨日，渣打银行和第一财经研究院联合发布2012年第四季度《中国中小企业信心指数》。该指数显示，2012年第四季度，“中国中小企业信心指数”为47.28，较上一季度增长了0.57个百分点，在经历了两个季度的连续下跌之后微幅增长，但仍然处于较低水平。

yesterday,Standard chartered bank and the first finance and economics institute jointly issued the fourth quarter of 2012[Confidence of small and medium-sized enterprises in China].The index showed that,The fourth quarter of 2012,"Confidence of small and medium-sized enterprises in China"47.28,Is on the first quarter increased by 0.57%,After two quarters of continuous drop slightly after growth,But is still in a lower level.

　　在各项分类指标中，“宏观信心指数”（51.19）、“运营信心指数”（47.44）和“投资信心指数”（43.6）较上期有略微上扬，而“融资信心指数”（47.2）则未能延续上期的上升趋势，比上期降低2个百分点。总体指数在第四季度开始趋于平稳，并有上扬趋势，但低于2011年同期水平。从区域上看，北部信心指数（48.23）呈现反弹趋势，略微领先于东部、南部和中西部地区。

In the classification indexes,"Macro confidence"(51.19)/"Business confidence"(47.44)and"Investment confidence"(43.6)The previous is slightly higher,and"Financing confidence"(47.2)Is unable to continue the previous rising trend,2% lower than the previous.The overall index in the fourth quarter began to stabilize,And a rising trend,But lower than the same period in 2011.Look from the area,In the northern part of confidence(48.23)Presents rebound trend,Slightly ahead of the east/The south and the Midwest.

　　与各项分类指标均有上涨相比，中小企业的融资信心指数(47.2)下降了2个百分点，同时报告指出，中小企业的银行贷款利率上浮较为明显。在受访的中小企业中，认为有上浮的企业比例高达44.6%，而这个数值在第一季度为22.7%。

Compared with various classification indexes is rising,The financing of small and medium-sized enterprise confidence index(47.2)Decreased by 2%,At the same time report,Small and medium-sized enterprises of the bank loan interest rate rise is obvious.In the small and medium-sized enterprises,Proportion of businesses that rise as high as 44.6%,And this value in the first quarter was 22.7%.

　　在融资信心指数下降的同时，中小企业的融资满意度也在经历了前五个季度的提高后转为下滑，但仍高于去年平均水平。但同时值得注意的是，本季度的调研结果显示，银行对中小企业贷款意愿在提高，第四季度银行愿意给贷款的中小企业比第一季度提高了12个百分点，远高于去年同期水平。

In financing confidence index decline at the same time,The financing of small and medium-sized enterprise satisfaction, in the first five quarters to decline after the improvement of,But it is still higher than the average level of last year.But it is important to note that at the same time,The research results show that in the current quarter,Bank loans to small and medium-sized enterprises intend to improve,Willing to give loans to Banks of small and medium-sized enterprises in the fourth quarter than the first quarter increased by 12%,Is much higher than the same period last year level.

　　第一财经研究院副院长代数在回答媒体提问时表示，中小企业融资信心和对银行贷款满意度下降并不完全是融资成本上升，主要原因仍然是宏观环境和金融危机影响，尽管银行贷款意愿在提高，但是风控要求银行更谨慎，所以中小企业在融资难度方面改善不大。

The first vice President of the institute of finance and economics algebra to answer media questions,Small and medium-sized enterprise financing confidence and satisfaction decline on bank lending is not rise in the cost of financing,Main reason is still the macro environment and the financial crisis,In spite of bank loan intend to improve,But the wind control require Banks to take more careful,So small and medium-sized enterprises in financing difficulty not much.

　　《第一财经日报》总编辑秦朔对此则强调，改变中小企业融资难的问题不能仅依赖银行，也要从财政政策等方面着力打造更加公平的市场环境。

[First financial daily]Chief editor QinShuo insist on this,Change the problems of financing difficulties of the small and medium-sized enterprises not only rely on the bank,Also want to from the aspects of financial policy, make more fair market environment.

　　近来，有报道称，由于多家中资银行面临中小企业贷款不良率提升，一些中资银行因此缩减中小企业放贷规模，但渣打银行东北亚兼中国中小企业理财部总裁顾韵婵在回答《第一财经日报》记者提问时则表示：“渣打银行在中小企业信贷逾期付款等领域仍然是很稳定的，没有明显变化。”

recently,A new report says,Because many Chinese Banks facing small and medium-sized enterprise loan defective rate,Some Chinese Banks reduced lending scale of small and medium enterprises,But the standard chartered bank in northeast Asia and China's small and medium-sized enterprise financing GuYunChan, President of the answer[First financial daily]A question is said:"Standard chartered bank in small and medium-sized enterprise credit is still a very stable late payment, etc,No obvious change."