2023 Central Economic Work Conference pointed out，To promote the development and growth of private enterprises，Admission in the market、Element acquisition、Fair law enforcement、Protection of rights and interests to implement a batch of measures。The Central Financial Work Conference held at the end of October also emphasized，Finance should provide high -quality services for economic and social development，Effectively strengthen the major strategy、High -quality financial services in key areas and weak links。Under the current situation，Long -term financing difficulties for private enterprises、Financing expensive、Slow financing and other outstanding questions，my country must continuously improve the financing environment，Provide effective financial services for the development and growth of private enterprises。

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There is information asymmetry between private enterprises and financial institutions，As a result, it is difficult for private enterprises to obtain financing from financial institutions，Financial institutions "Dare to loan、Unwilling to loan、Can't loan、No loan "，Then form a long -term problem in the field of investment and financing。Now，Information technology and its widely used application provides operational possibilities for solving this problem。Relying on the Internet、Credit evaluation of technologies such as big data has been mature and widely used in a variety of financing scenarios，greatly enriched the method and content of credit evaluation。But，Financial institutions、Financial institutions、Credit information mastered by Internet platforms has not yet formed integration，This "information island" state makes it difficult for financial institutions to obtain comprehensive information or the cost Bet365 lotto review of obtaining information is too high。So，Solving structural financing problems requires multiple efforts，multi -tube nap。The government shall formulate and introduce the data sharing mechanism and rules for credit evaluation as soon as possible，It can be combined with compulsory and paid provision，Public data that does not involve national security for financial institutions under strict supervision。Financial institutions and Internet platforms should share the credit information that you control it outside，Create a credit society together，Sharing credit social dividends。Private enterprises should actively provide relevant credit information，Focus on your own business，Persist in integrity operation，Establish a good credit image。

2，Establishing a financing risk marketization mechanism，Reduce the burden of risk of financial institutions。

Private enterprises are usually small and flexible，It has strong pioneering and innovative，but also accompanied by higher business risks。This requires a comprehensive、System、Sustainable marketization risk sharing mechanism。On the one hand，To comprehensively cover the risk of private enterprises。Not only credit risk of private enterprises，It also includes operating risks and technological innovation risks。On the other hand，To cover all participating subjects。Government and related departments establish a sound mechanism、Responsible for supervision，Commercial Bank、Insurance Company、Guarantee Agency、Securities companies and other institutions participate in common management、A total of risks，Industrial Chain Supply Chain upstream and downstream enterprises shared the risk of each other。In addition，There must be a systematic sharing mechanism design，Including optimizing the original financing guarantee mechanism，If rich mortgage types、Enhance the benefits of intellectual property bet365 live casino games pledge; establish a risk compensation fund，It can be jointly funded by various financial institutions，The amount of funds used to compensate for private enterprises; innovative private enterprises operate the entire process insurance，To support the development of private enterprises，Reduce its risk of breach of contract，Including science and technology insurance in the R & D stage、Property insurance and product liability insurance during the production process、Freight insurance during the sales process。

　　third，Broaden financing channels，Enhance the financing of private enterprises。

Difficulty of financing for private enterprises、An important reason or manifestation of expensive financing is its single financing method，and the financing channels are not smooth。So，Must promote supervision and financial innovation，Support private enterprises to enter the capital market and bond market financing，Unblocked private enterprise financing channels。In terms of bond market，It is necessary to expand the coverage of bond financing，Innovation bond financing tool，Promote the expansion of bond financing support tools，Actively promote science and technology innovation bonds、Little and Micro -Enterprise Credit Credit Collection Bonds，Encourage and guide institutional investors to actively allocate private enterprise bonds。In terms of stock market，Improve the basic system of equity financing of private enterprises，Expand the scale of the GEM and the science and technology board，High -quality construction Beijing Stock Exchange，Create the home -financing home of private enterprises; continuously improve various supporting measures，Promoting the registered registration system of stock issuance; giving play to the role of local government special guidance funds; improving the investment withdrawal mechanism; allowing enterprises to rely on the receivable (supply chain) account、Financial Leasing、Basic Bet365 app download assets such as small loans，Issuing asset securitization products; incorporate eligible private enterprises in the backup resource library of listing，Support private enterprise listing financing。In terms of credit in commercial banks，Strengthen policy guidance，Precise implementation re -loan、Cashback and other monetary policy tools，Guide financial institutions more attention and understand private enterprises，Strengthen financial innovation and credit offering for private enterprises。

Fourth，Promoting private enterprise financial services innovation，Accelerate the development of inclusive finance。

With the volume and role of private enterprises in my country's national economy, it continues to increase，Private enterprises have gradually become an important object for financial institutions to develop products and provide services。Current，The entry threshold for the original financial services and products exceeds the ability range of private enterprises，or the existing financial services difficult to match the financing needs of private enterprises，Therefore。Considering that private enterprises are mostly small, medium and micro enterprises，Pratt & Whitney should be an important choice for financial innovation。One，Reduce financing threshold through process management，Use the new generation of information technology to develop intelligent risk control system，Implementing screening、Wind Review、Credit、Signed a contract、Lesson、Payment、Tracking、Recycling full process risk management，to reduce the unreasonable restrictions of financial institutions' financing of private enterprises。Its two，Increase the development of credit loan products，Order of real private enterprises、policy、warehouse bills and other rights mortgage，In -depth excavation of the supply chain business of the stable compliance of private enterprises，Develop a new type of mortgage from it，Vigorously develop credit guarantee insurance，Effectively bet365 Play online games strengthen the protection of private enterprise credit reporting rights and interests。Its three，Adjustment of repayment policy，If a private enterprise that allows temporarily fall into operational difficulties to adjust the repayment method，Change the repayment content，Pay interest on demand，Extend the time limit。Four，Develop financial derivatives for private enterprises，Use financial derivatives to discover and risk hedging function，Help private enterprises hedge market risk、Maintain asset security。When cultivating professional financial derivatives business institutions，You need to serve private enterprises as an important consideration for important considerations。Its five，Encourage the industrial chain supply chain financial innovation，Fund flow of the industrial chain supply chain、Logistics、Information flow and other core data，Implementing full -chain credit，Reduce the risk and loss risk of risk supervision of financial institutions，Then improve the financing of enterprises on the chain，True private enterprise on the chain。

　Fifth，Strengthen financial supervision and guidance，Create a good financing atmosphere。

Opinions from the "CPC Central Committee and the State Council on creating a better development environment to support the reform and development of private enterprises"，Opinions of the Central Committee of the Communist Party of China on the State Council of the Communist Party of China on Promoting the Development of the Private Economy "，In recent years, my country has introduced a series of policy measures，Support the development of private enterprises，Measures continue to upgrade，Support is gradually increasing。From the General Office of the Central Committee of the Communist Party of China in 2019、"Several Opinions on Strengthening Financial Services Private Enterprises" issued by the General Office of the State Council，by 2023 People's Bank of China、bet365 Play online games The "Notice on Strengthening Financial Support Measures to Strengthen the Development of the Private Economy"，my country has also made system arrangements for financial support for financial support for private economy。These policies highlight the top -level design of the country's development of private enterprises，Play an important guideline on related institutions and industry enterprises。In order to further do a good job of financial services for private enterprises，Need to hurry up the implementation of relevant policies and measures。First，The supervision and assessment of the relevant regulatory authorities can adopt the principles of flexibility and moderation of financial institutions，Precisely adjust supervision requirements due to the situation，Improve supervision tolerance to a certain extent，For the changes in private enterprises due to the changes in the international situation、policy adjustment、Paratory loans formed on time that cannot be repaid on time and in accordance with the amount of extreme climate，It can relax the regulatory requirements of financial institutions' lid -out accounting supervision。Second，Carry out private enterprise financial services evaluation，Comprehensive evaluation of the situation of private enterprises in the service of financial institutions，Effectively expand the scale of private enterprises' financial supply。again，Improve private enterprise credit and business information collection、Record、Analysis、Share，Implementation of dynamic risk monitoring，Severe punishment involved fraud、malicious arrears and other illegal and illegal acts，Protecting financial institutions to serve private enterprises' enthusiasm。Last，Establish and improve the normalized communication mechanism of private enterprises and financial institutions，Establish a valid communication platform，Promoting mutual trust，Strengthen mutually beneficial cooperation，Then create a good financing atmosphere for the development and growth of private enterprises。

　(The author is the Dean of the Institute of Finance and Economics of the Chinese Academy of Social Sciences、Researcher)