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从间接的银行融资来说,我们目前80%的金融天下仍为国有四大商业银行和主要股份制银行主导,而这些由专业银行转过来的金融机构,重点都围绕着各自领域内的国有大中型企业服务,比如中国银行,仍然延续过去主要为外经贸进出口企业、为国有外向型企业服务的做法。因此,在其主营方向和服务内容未作多大改变的情况下,它们很难为中小民营企业所用。

Indirect financing from banks , we present 80% of the financial world is still mainly state-owned joint-stock commercial banks and four banks dominate , and these in turn by a professional bank financial institutions , the focus revolves around their respective areas of state-owned business services, such as Bank of China , has continued in the past mainly for foreign trade import and export enterprises , state-owned export-oriented enterprise services approach. Thus, in its main direction and services have not been much change in circumstances that are difficult for small and medium private enterprises to use.

据调查, 2005年底,全部金融机构本外币各项存款余额为29. 3万亿元,同比增长18%;贷款余额为20. 3万亿元,同比增长13. 5% ,但非公有制企业短期贷款较上年同期少增216亿元。

According to the survey , by the end of 2005 , all financial institutions and foreign currency deposits amounted to 29.3 trillion yuan , an increase of 18% ; loans amounted to 20.3 trillion yuan , an increase of 13.5% , but the short-term non-public enterprises loans less than the previous year increased 21.6 billion yuan . In the composition of short-term loans , non-public enterprises accounted for only 14.4% . The same period, the non-public economy accounts for about 65% of GDP . An annual increase of 70% for loans of state-owned enterprises, 80% of the capital stock flow operation of state-owned enterprises. Bonds issued after 1998, the flow of investment projects in most of the state-owned enterprises.

要坚决改变企业的用人观念，拓宽视野，按照用人不疑疑人不用的原则，大胆任用一批有能力人，有想法，敢动真格，敢承担责任的企业的厂长。在选拔和任用企业领导干部时，首先要考虑对企业、对职工负责，把那些既有责任心又有管理能力的人提拔到厂长位置上，尤其要配备好企业的“一把手”，使其成为率领企业职工奋发向前的领头雁。其次要从德、才、识、体等方面注意发现任用企业各级领导干部。

To change the corporate firm employing the concept , broaden horizons , in accordance with the employer did not suspect suspect not the principle of appointing a number of bold and capable people, ideas , dare to play hardball , dare the director of corporate responsibility . Business leaders in the selection and appointment of cadres , we must first consider the enterprise , is responsible for workers , those responsible have managed both the ability of people promoted to director position, especially with a good business, " one" , it led enterprise workers forge ahead to become the leading pack . Second from Germany , talent, knowledge , etc. Note that the body found in appointing business leaders at all levels .

It is the core of enterprise management . Grasp the quality to let enterprises establish the "quality and credit " concept. Business leaders must not only become the first product quality and credit those responsible , but also to product quality as the core , strengthen technical foundation work , establish a sound quality management agencies , the implementation of scientific management methods and the benefits of scientific management , grasp the product quality problems , the implementation of total quality management, conscientiously implement IS09000 series of standards . Do a good job working capital management , from the ideological , foster the spirit of thrift and set up factories , establish a good working atmosphere.

Private enterprises to strengthen ideological and political work , fundamentally speaking, is already "gr