十(shi)二屆全(quan)國政協委員 舒(shu)心

       舒心委(wei)員通過調研后，認為目前經(jing)濟發展新常(chang)態下(xia)，外需疲軟(ruan)、內需不(bu)(bu)旺(wang)，結構調整面(mian)(mian)(mian)臨陣痛，作為市(shi)(shi)場(chang)主體的(de)(de)(de)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)尤其是(shi)(shi)大批中(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)普遍面(mian)(mian)(mian)臨融(rong)(rong)(rong)資(zi)(zi)困(kun)難，發展受到嚴重制(zhi)約。造(zao)成(cheng)中(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)資(zi)(zi)困(kun)難的(de)(de)(de)原(yuan)因主要集中(zhong)(zhong)在(zai)(zai)四個(ge)方(fang)面(mian)(mian)(mian)。一是(shi)(shi)銀行體系(xi)(xi)(xi)不(bu)(bu)完(wan)善。目前我國大多數銀行追求(qiu)規模化(hua)綜合(he)經(jing)營(ying)，經(jing)營(ying)模式相(xiang)似(si)，市(shi)(shi)場(chang)細分不(bu)(bu)夠，沒有形(xing)成(cheng)針對中(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)資(zi)(zi)的(de)(de)(de)專業(ye)(ye)(ye)(ye)(ye)銀行機構。二是(shi)(shi)資(zi)(zi)本(ben)市(shi)(shi)場(chang)不(bu)(bu)成(cheng)熟。我國資(zi)(zi)本(ben)市(shi)(shi)場(chang)發展迅速，初步(bu)形(xing)成(cheng)了涵蓋股票、債券(quan)和(he)期貨(huo)的(de)(de)(de)市(shi)(shi)場(chang)體系(xi)(xi)(xi)，但滬深股市(shi)(shi)主要面(mian)(mian)(mian)向成(cheng)熟的(de)(de)(de)盈利型企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)；天(tian)使投(tou)資(zi)(zi)、產業(ye)(ye)(ye)(ye)(ye)基金(jin)、創業(ye)(ye)(ye)(ye)(ye)投(tou)資(zi)(zi)和(he)風(feng)險投(tou)資(zi)(zi)等(deng)主要面(mian)(mian)(mian)向技(ji)術含量高(gao)、收益回報高(gao)的(de)(de)(de)科技(ji)型企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)；其他資(zi)(zi)本(ben)市(shi)(shi)場(chang)處于起步(bu)階段(duan)，中(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)被這(zhe)些新興資(zi)(zi)本(ben)市(shi)(shi)場(chang)認可度(du)較(jiao)低。三是(shi)(shi)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)自身存(cun)在(zai)(zai)問(wen)題，生產經(jing)營(ying)狀況不(bu)(bu)佳，自身融(rong)(rong)(rong)資(zi)(zi)困(kun)難。四是(shi)(shi)法律(lv)體系(xi)(xi)(xi)不(bu)(bu)完(wan)善。中(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)的(de)(de)(de)生存(cun)與發展一直缺乏有效的(de)(de)(de)法律(lv)保(bao)護(hu)，盡管《公司法》、《合(he)伙企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)法》等(deng)有關法律(lv)對中(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)融(rong)(rong)(rong)資(zi)(zi)進行了一定的(de)(de)(de)規范，但對中(zhong)(zhong)小(xiao)企(qi)(qi)(qi)(qi)(qi)業(ye)(ye)(ye)(ye)(ye)貸款、擔(dan)保(bao)、上(shang)市(shi)(shi)等(deng)融(rong)(rong)(rong)資(zi)(zi)方(fang)面(mian)(mian)(mian)的(de)(de)(de)保(bao)護(hu)甚(shen)少。

       因此，舒(shu)心(xin)委員建(jian)議國家：一(yi)要(yao)進一(yi)步加(jia)大金融機構改革力度，促進貸(dai)款投放。二要(yao)進一(yi)步完善(shan)資(zi)本(ben)市(shi)場，促進中(zhong)小企業直接融資(zi)。三要(yao)加(jia)強(qiang)企業自身建(jian)設，進一(yi)步提升企業融資(zi)能力。