题目

英语翻译
中小企业在我国国民经济中具有不可替代的重要地位和作用.但我国众多的中小企业普遍存在缺乏资金、筹资渠道较窄、可供选择的筹资方式少等问题,特别是处于发展中的中小企业,筹资难的问题更加突出,严重影响了中小企业的健康发展.中小企业融资难、担保难是制约企业发展的难点,是政府工作的重点,也是社会关注的焦点,国际金融危机加重了中小企业融资难度.由于中小企业贷款余额占比和覆盖率过低,致使一批中小企业资金短缺,处于停产、半停产和***状态.与大企业相比,中小企业规模小、收益不稳定、诚信度低、抗风险能力差、缺乏合格抵押担保品等是融资难的主要原因.因此其在市场竞争中位于较弱地位,所以中小企业筹资难的问题引起了政府于社会各界关注,并在积极设法解决这一难题.本文在分析目前中小企筹资难的成因与问题的基础上,提出了解决中小企业筹资男问题的对策及建议.

提问时间：2020-10-27

答案

SMEs have irreplaceable role and functionality in China national economy.However,lack of fundings,under-diversified ways of raising funds,few funding options,and etc.are common problems for China's many SMEs,especially for those that are in development stage whose funding problems are more prominent,and it is severely affecting the healthy development of these SMEs.Difficulties in raising funds and obtaining lines of credit are limiting enterprises' development,solving these difficulties are the emphasis of government and the focal point of the society,furthermore,global economic crisis worsen the problems for SMEs to raise funds.Due to the low ratio of net loan and low coverage in SMEs,a significant number of SMEs are suffering from lack of funding,and are in either shut-down,half shut-down,or close-down situation.The key reasons in fund raising difficulties for SEMs are that compared to large enterprises,SMEs are smaller in size,less consistent in profit,lower in reputation,weaker in risk resistance ability,and there are less qualified assets that can be pledged as collaterals.Therefore,SMEs have weaker position in a competitive market and thus,difficulties in raising funds for SMEs are capturing the attention of the government and all walks of society,who are actively seeking for solutions.This article brings up strategies and suggestions to solve problems in fund raising for SEMs based on analysis of the causes and the problems of the current difficulties in raising funds for SMEs.