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donghuayang银虫 (小有名气)
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[求助]
哪位高手能帮忙翻译一下吗？谢谢
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| 中小高科技企业信贷市场是商业银行既向往又畏惧的市场。（1）中小企业信贷市场逐渐成为商业银行“新蓝海”市场。大企业信贷市场历来是各大银行争抢的目标，但随着大企业融资方式的转变，一定程度上给商业银行造成了巨大的盈利危机。同时，中小企业，特别是中小科技型企业的快速发展，也极大地改变了信贷市场的结构，中小企业信贷市场是一个具有巨大空间的“新蓝海”新兴增量市场。数据显示，目前中国中小企业已超过4200万户，占全国企业总数的99.8%，每年上缴税收超过国家税收总额50%，外贸出口超过60%，创造了近60%的国民生产总值，为社会带来超过75%的就业机会。中小高科技企业信贷业务方面，汇丰、渣打等外资银行已经“抢跑”，国内中小银行正在跟上，工农中建四大银行业纷纷成立中小企业信贷部。（2）商业银行追求低风险下的稳定收益的商业模式与中小高科技企业高成长性与高不确定性严重冲突。由于中小企业资产规模小、财务信息不透明、经营上的不确定性大、承受外部经济冲击的能力弱等制约因素，加上自身经济灵活性的要求，其融资与大企业相比存在很大特殊性，总体来说，中小高科技企业信贷融资表现出风险与成本双高的特点。 |
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tangqifeng
木虫 (正式写手)
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wypward(金币+2):欢迎新虫，谢谢参与 2010-06-03 17:35:00
sirljz:禁止不经加工直接工具翻译的回帖，下不为例，否则进行处罚 2010-06-03 21:09:52
wypward(金币+2):欢迎新虫，谢谢参与 2010-06-03 17:35:00
sirljz:禁止不经加工直接工具翻译的回帖，下不为例，否则进行处罚 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楼2010-06-03 17:24:11
donghuayang
银虫 (小有名气)
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3楼2010-06-03 19:27:06
