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donghuayang銀蟲 (小有名氣)
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[求助]
哪位高手能幫忙翻譯一下嗎？謝謝
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| 中小高科技企業(yè)信貸市場是商業(yè)銀行既向往又畏懼的市場。（1）中小企業(yè)信貸市場逐漸成為商業(yè)銀行“新藍(lán)海”市場。大企業(yè)信貸市場歷來是各大銀行爭搶的目標(biāo)，但隨著大企業(yè)融資方式的轉(zhuǎn)變，一定程度上給商業(yè)銀行造成了巨大的盈利危機(jī)。同時，中小企業(yè)，特別是中小科技型企業(yè)的快速發(fā)展，也極大地改變了信貸市場的結(jié)構(gòu)，中小企業(yè)信貸市場是一個具有巨大空間的“新藍(lán)�！毙屡d增量市場。數(shù)據(jù)顯示，目前中國中小企業(yè)已超過4200萬戶，占全國企業(yè)總數(shù)的99.8%，每年上繳稅收超過國家稅收總額50%，外貿(mào)出口超過60%，創(chuàng)造了近60%的國民生產(chǎn)總值，為社會帶來超過75%的就業(yè)機(jī)會。中小高科技企業(yè)信貸業(yè)務(wù)方面，匯豐、渣打等外資銀行已經(jīng)“搶跑”，國內(nèi)中小銀行正在跟上，工農(nóng)中建四大銀行業(yè)紛紛成立中小企業(yè)信貸部。（2）商業(yè)銀行追求低風(fēng)險下的穩(wěn)定收益的商業(yè)模式與中小高科技企業(yè)高成長性與高不確定性嚴(yán)重沖突。由于中小企業(yè)資產(chǎn)規(guī)模小、財務(wù)信息不透明、經(jīng)營上的不確定性大、承受外部經(jīng)濟(jì)沖擊的能力弱等制約因素，加上自身經(jīng)濟(jì)靈活性的要求，其融資與大企業(yè)相比存在很大特殊性，總體來說，中小高科技企業(yè)信貸融資表現(xiàn)出風(fēng)險與成本雙高的特點。 |
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donghuayang
銀蟲 (小有名氣)
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3樓2010-06-03 19:27:06
tangqifeng
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【答案】應(yīng)助回帖
★ ★
wypward(金幣+2):歡迎新蟲，謝謝參與 2010-06-03 17:35:00
sirljz:禁止不經(jīng)加工直接工具翻譯的回帖，下不為例，否則進(jìn)行處罰 2010-06-03 21:09:52
wypward(金幣+2):歡迎新蟲，謝謝參與 2010-06-03 17:35:00
sirljz:禁止不經(jīng)加工直接工具翻譯的回帖，下不為例，否則進(jìn)行處罰 2010-06-03 21:09:52
| Small high-tech enterprises, commercial banks credit market, both longing and fear in the market. (1) SME credit market has become commercial banks, "Blue Ocean" market. Big business has always been a major bank credit market competition for the target, but with the changes in financing large enterprises, to some extent to the commercial bank crisis caused a huge profit. At the same time, SMEs, in particular the rapid development of small and medium sized enterprises, also greatly changed the structure of credit markets, credit market for SMEs is a huge space, "Blue Ocean" new incremental markets. Data show that China now has more than 42 million SMEs, accounting for 99.8% of total number of enterprises, the annual payment of taxes more than 50% of the total national tax revenue, over 60% of exports, creating nearly 60% of gross national product for the community brings more than 75% of employment. Small high-tech enterprise credit business, HSBC, Standard Chartered and other foreign banks have been "false start", the domestic small and medium banks is to keep up, workers and peasants in the construction of four major banks have set up SME credit department. (2) commercial banks under the pursuit of stable income with low risk business model with high-growth small and medium sized high-tech enterprises and high uncertainty of serious conflict. Small asset size as small, opaque financial information, operating on a large uncertainty, the ability to withstand external economic shocks and weak constraints, coupled with Zishen economic flexibility requirements, financing and big business There is great special of the whole, the small high-tech enterprise credit facility to show both high risk and cost characteristics. |
2樓2010-06-03 17:24:11
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