马云谈中小企业化解融资难题之道
<P style="MARGIN: 0cm 0cm 0pt" class=MsoNormal><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">更多内容请浏览成都道勤管理顾问服务有限公司：</SPAN><SPAN style="mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>WWW.ACMCHN.COM<?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" /><o:p></o:p></FONT></SPAN></P><P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">阿里巴巴创始人兼董事局主席马云最近在新加坡举行的</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>2009</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">年亚太经合组织</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>(APEC)</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">中小企业峰会上谈到中小企业普遍面临融资难的困境时，劝告所有的中小企业不要依赖政府和银行，而是依赖家人、亲戚和朋友。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">马云呼吁各国政府给予中小企业必要的财政援助，毕竟所有的大型企业都是由中小企业发展而来，今日的中小企业可能就是明日的</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>eBay</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">、谷歌和</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>UPS</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">之类的巨企。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">马云自己对创业及企业成长过程中的艰辛有切身的体验。他于</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>1999</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">年创办阿里巴巴集团，如今阿里巴巴已是全球领先的电子商务服务集团，其多元化互联网业务包括企业间国际贸易、网上零售和支付平台，以及云端计算服务等五大类。集团在中国、日本、韩国、英国及美国拥有超过</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>17,000</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">名员工。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">马云说，虽然从银行贷款一直困难重重，但他从来没有因此放缓公司业务的扩展。就银行表示无法贷款给中小企业是因为不了解这些企业，马云质疑银行并未能够有效地倾听中小企业的心声。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">他反问道：</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>“</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">请问，银行总裁或主席可曾参加过中小企业峰会？没有，他们参加的是总裁峰会。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>”<o:p></o:p></FONT></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>“</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">假如银行不倾听中小企业的心声，不和中小企业进行交流，他们怎么能了解中小企业需要的贷款额是</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>5</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">万美元而不是</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>2000</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">万美元？</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>”<o:p></o:p></FONT></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">对此，与会的新加坡星展银行企业银行业务部总监王开源指出，中小企业可以从政府和银行那里获得必要的财政援助。不过，她也承认，金融危机之后，一些银行由于自身因素而收紧信贷，而其他银行也纷纷仿效，因而造成中小企业流动资金吃紧。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; MARGIN: 0cm 0cm 0pt" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>“</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">道理很简单，没有哪家银行愿意贷款给那些业务前景不太明朗的企业，以便他们有钱偿还其他银行的贷款。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>”<o:p></o:p></FONT></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">为缓解信贷紧缩，今年初，亚洲各国政府就迅速出台各项政府支持的贷款计划，旨在振兴中小企业。在计划下，政府与银行密切合作，承担高达</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>80%</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">到</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>90%</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">的贷款违约风险。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">王开源说：</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>“</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">这很大程度上缓和了企业的燃眉之急。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>”<o:p></o:p></FONT></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>“</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">很多中小企业因此得以在全球需求急剧下降的当儿，获得银行贷款，保证资金流动。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>”<o:p></o:p></FONT></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">王开源指出，虽然政府的特别风险分担计划仍然生效，但随着全球经济的复苏，申请该等信贷计划的企业已减少。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">亚洲开发银行（</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>ADB</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">）资本市场及金融业部门负责人罗伯特</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>•</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">范茨威腾（</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>Robert van Zwieten</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">）在峰会上表示，亚洲开发银行正大力支持贸易融资计划，并提供多达</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>10</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">亿美元的资金支持，为发展中成员体的银行承担贸易融资风险。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">范茨威腾称，饱受全球金融危机冲击的亚洲中小型企业，贸易融资出现</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>“</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">急剧滑坡</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>”</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">有几个原因。其一是大型银行在金融危机重创下收紧对中小企业的放贷。其次是新巴塞尔协议框架错误地把贸易融资与一般贷款相提并论，而忽略了大多数贸易融资是属于短期性、迅速清偿的融资此一事实。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">他补充说，中小型企业是亚洲开发银行借助以消灭地区贫困的</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>“</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">中流砥柱</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>”</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">。中小企业占亚太经济体中企业总数的高达</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>90%</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">，其员工则占区内总劳动力的</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>60%</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">。中小企业对各经济体的国内生产总值的贡献高达</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>50%</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">，但就出口总额计仅占</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>30%</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">。这表明，在必要的支持下，中小企业在区内的发展潜力是巨大的。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; MARGIN: 0cm 0cm 0pt" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p><FONT face=Calibri> </FONT></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">范茨威腾指出，区内的经济衰退虽然己有所放缓，但贸易融资需求仍然出现了下滑。不过，在各国政府的支持下，银行放宽了对企业的贸易融资。在许多亚洲市场，虽然获得为期两年的长期贸易融资还困难重重，但企业可选择各种短期贷款。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">企业自己也展开了互助行动。新加坡中小企业协会</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>E50</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">俱乐部</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>(Enterprise 50 Club)</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">主席、私募基金天宝富投资合伙公司的创始人和董事长林殷说，中小型企业正致力重组和合作，以便银行能更好地评估放贷风险并尽可能提供贷款。比如，</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>E50</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">俱乐部目前的</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>130</FONT></SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">家企业成员正积极与银行合作，共同寻找本地及海外的融资机会。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">林殷说，协会企业成员也积极筹集资源，为所需公司提供资金援助。此外，该协会也组织对企业成员进行参观访问，增强对企业运作的了解，为企业未来上市时的参股行动做准备。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="LINE-HEIGHT: 150%; TEXT-INDENT: 24pt; MARGIN: 0cm 0cm 0pt; mso-char-indent-count: 2.0" class=MsoNormal><SPAN style="LINE-HEIGHT: 150%; FONT-FAMILY: 宋体; FONT-SIZE: 12pt; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">中小企业如何确保自己能够获得所需的贸易融资呢？星展银行王开源的建议是：企业需要关注自己的流动性和现金储备，并与银行建立良好的关系。随着企业不断成长，企业应与银行分享其业务扩充计划，对债务水平保持谨慎态度，并建立适当的股本后盾以应对未来的经济低迷期。</SPAN><SPAN style="LINE-HEIGHT: 150%; FONT-SIZE: 12pt; mso-bidi-font-weight: bold" lang=EN-US><o:p></o:p></SPAN></P>
<P style="MARGIN: 0cm 0cm 0pt" class=MsoNormal><SPAN style="FONT-FAMILY: 宋体; mso-ascii-font-family: Calibri; mso-ascii-theme-font: minor-latin; mso-fareast-font-family: 宋体; mso-fareast-theme-font: minor-fareast; mso-hansi-font-family: Calibri; mso-hansi-theme-font: minor-latin; mso-bidi-font-weight: bold">更多内容请浏览成都道勤管理顾问服务有限公司：</SPAN><SPAN style="mso-bidi-font-weight: bold" lang=EN-US><FONT face=Calibri>WWW.ACMCHN.COM<o:p></o:p></FONT></SPAN></P>
回复：马云谈中小企业化解融资难题之道
我公司就是马云融资的。。。广州的一家电子商务公司。。。呵呵。。他一融资，钱多的都不知道怎么花了。。 非常感谢楼主分享这样的好资料！
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