First, increase the government's support for small and medium-sized enterprises, create a good environment for financing small and medium-sized enterprises, establish venture capital funds to support the development of small and medium-sized enterprises, continuously expand the sources of venture capital, guide private capital and overseas investment funds to enter, expand the scale of venture capital, and provide new sources of funds for small and medium-sized enterprises. Promote the construction of the security system. Focus on supporting a number of guarantee institutions with good business performance, sound system and standardized management, and accelerate the establishment of credit guarantee institutions for small and medium-sized enterprises. Constantly improve the credit guarantee mechanism for small and medium-sized enterprises, and introduce policies such as risk control of guarantee institutions and compensation and incentive mechanism of credit guarantee funds to guide and standardize the development of credit guarantee industry. 2. Promote the construction of credit system for SMEs. Establish and improve the financing credit guarantee system for small and medium-sized enterprises. The government should guide intermediaries to establish enterprise economic files and legal representative credit files through scientific evaluation and demonstration, and establish and improve the enterprise credit system that meets the requirements of market economy. Actively promote the pilot of socialized credit system for small and medium-sized enterprises, improve the social credit system, establish a credit system, and play the role of credit intermediary. Establish and improve the information database of small and medium-sized enterprises and the credit files of the responsible persons of small and medium-sized enterprises. On this basis, establish the credit rating system of SME loans, the credit rating system of enterprise representatives and the overall credit rating system of enterprises, strengthen the credit concept of enterprises, and decide whether to lend or guarantee by credit rating. 3. Vigorously develop local financial institutions and private lending markets, and broaden direct financing channels for SMEs. Strengthen supervision and encourage competition, and form a standardized entry and exit mechanism for the survival of the fittest in local financial institutions. Gather more idle funds to support the development of local SMEs. The financing activities of non-governmental entities should be regulated by local laws and regulations, and the rights and responsibilities of both financing parties should be clearly defined and brought into the formal financial system. 4. Build a perfect legal guarantee system for SME financing. Accelerate the legislation of credit system for small and medium-sized enterprises. It is necessary to divide the classification standards of small and medium-sized enterprises, clarify the definition methods of small and medium-sized enterprises and the roles and functions of various financial institutions in the credit system of small and medium-sized enterprises, and formulate specific management measures and incentive measures for small and medium-sized enterprises' loans. Implement the financial channels, executing agencies and management measures for government to support SME loans; Improve the legal system of credit guarantee for small and medium-sized enterprises. Formulate and improve the Measures for the Administration of Credit Guarantee for Small and Medium-sized Enterprises and other relevant laws and regulations, standardize the access, exit and internal control systems of credit guarantee institutions, clarify the industry positioning and functions of credit guarantee institutions, and make clear policies and regulations on market access and exit of professional credit guarantee institutions, the qualifications of guarantee personnel, and the financial and internal control systems of credit guarantee institutions, so as to further promote the standardized development of credit guarantee institutions for small and medium-sized enterprises nationwide. Second, constantly improve the financing service system for small and medium-sized enterprises 1, change the concept of banks and other financial institutions, enhance the awareness of credit supply, strengthen post-loan assessment and supervision on the premise of reasonably avoiding risks, and actively exert the maximum effect of credit funds. Change the way of working, strengthen the investigation and understanding of small and medium-sized enterprises, and help enterprises with market and prospects to grow rapidly. We should give full consideration to the characteristics of small and medium-sized enterprises, innovate credit products, simplify loan approval procedures, shorten approval time, and standardize loan processes. Reduce the service threshold, reduce the impact of scale projects such as enterprise capital, total assets and sales income on enterprise rating, and provide high-quality credit services such as enlarging the guarantee ratio, preferential loan interest rates and simplifying loan procedures to small and medium-sized enterprises with high reputation and good benefits, so as to effectively reduce the burden on enterprises; On the other hand, actively strengthen cooperation with guarantee companies and enhance credit support for small and medium-sized enterprises. 2. Strengthen the innovation of financial services for SMEs. Innovate the loan approval mechanism, standardize the loan products and operating procedures, simplify the loan procedures and improve efficiency. Weaken the credit rating of small and medium-sized enterprises appropriately, pay attention to on-site investigation and verification, not only rely on financial statements, but also minimize the information asymmetry between borrowers and lenders through due diligence of credit personnel. Innovate loan guarantee methods and establish a flexible loan credit mechanism. Gradually implement the cash flow and personal credit formed by the borrower's business activities. Innovate service varieties, tailor personalized financing products for enterprises, and meet the needs of different customers through flexible combination of service varieties. 3. Establish an incentive and restraint mechanism for SME financing. Encourage and support joint-stock banks, urban and rural cooperative financial institutions and other small and medium-sized enterprises as their main service targets. Encourage state-owned commercial banks to establish an incentive and restraint mechanism for SME loans on the premise of paying attention to credit security, and effectively increase the proportion of SME loans while ensuring the quality of loans. Third, strengthen the construction of small and medium-sized enterprises' own business ability, improve their credit level 1, promote modern enterprise management system, and constantly improve the quality, decision-making level and competitiveness of enterprise operators. Adhere to the road of diversification of property rights subjects, carry out corporate system reform according to the requirements of modern enterprise system, break the shackles of family system on its development, adjust the ownership structure, implement real corporate governance structure, improve operating efficiency and reduce operating risks. 2. Improve the financial management system, establish and improve the accounting system in strict accordance with the accounting regulations and requirements of commercial banks, provide comprehensive and accurate accounting information to relevant departments on a regular basis, and increase information transparency. Actively strengthen communication with banks, regularly provide financial statements and enterprise production and operation to banks, formulate effective accounts receivable management system, speed up the withdrawal and turnover of funds, improve the management and utilization level and efficiency of enterprise funds, and improve the credit rating of banks to enterprises. Improve the credit image of enterprises and enhance the confidence of fund providers such as banks. Legal basis: Article 13 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises. Financial institutions should play the role of serving the real economy and serve small and medium-sized enterprises efficiently and fairly. Article 14 The People's Bank of China shall comprehensively use monetary policy tools to encourage and guide financial institutions to increase credit support for small and micro enterprises and improve their financing environment. Article 15 The banking supervision institution of the State Council shall formulate differentiated supervision policies for financial institutions to provide financial services to small and micro enterprises, take measures such as reasonably increasing the tolerance of non-performing loans of small and micro enterprises, and guide financial institutions to increase the financing scale and proportion of small and micro enterprises, so as to improve the level of financial services. Article 16 The State encourages various financial institutions to develop and provide financial products and services suitable for the characteristics of small and medium-sized enterprises. National policy financial institutions shall provide financial services to small and medium-sized enterprises in various forms within their business scope. Article 17 The state promotes and supports the construction of inclusive financial system, promotes the orderly and healthy development of small and medium-sized banks, non-deposit lending institutions and Internet finance, and guides banking financial institutions to extend their outlets and businesses to areas with weak financial services for small and micro enterprises such as counties and towns. Large state-owned commercial banks should set up inclusive finance institutions to provide financial services for small and micro enterprises. The state promotes other banking financial institutions to set up financial service franchises for small and micro enterprises. Regional small and medium-sized banks should actively provide financial services to local small and micro enterprises and promote the development of the real economy. Article 18 The state improves the multi-level capital market system, promotes equity financing through multiple channels, develops and regulates the bond market, and promotes direct financing of small and medium-sized enterprises through various means. Article 19 The state improves the secured financing system and supports financial institutions to provide secured financing for small and medium-sized enterprises with accounts receivable, intellectual property rights, inventories, machinery and equipment, etc.

Second, how to develop SME loan marketing business

The Internet is everywhere, and enterprises can't escape.

There are 600 million Internet users in China, with an Internet market size of 65.438+037.504 billion and online shopping users of 200 million. You caught it.

What if the commercial enterprises brought by the Internet are far behind through the Internet?

The Internet is like a slowly opening hand, slowly eroding online exhibitions.

Show yourself, don't market yourself through the internet, don't market yourself through the internet, then you may lose half.

No matter what old enterprise, a stable company website can show all customers the strength and culture of the company and win trust and respect!

Whether the new enterprise can let the partners see your vitality and motivation!

If your peers and competitors are building their own corporate websites, do you need someone who can talk?

Third, how to develop SME loan marketing business

The Internet is everywhere, and enterprises can't escape.

There are 600 million Internet users in China, with an Internet market size of 65.438+037.504 billion and online shopping users of 200 million. You caught it.

Has the marketing storm brought by the Internet been left behind by other enterprises through the Internet?

The Internet is like a slowly opening hand, slowly eroding the fixed offline market model, and there is no online exhibition.

Show yourself, don't market yourself through the internet, don't market yourself through the internet, then you may lose half of the market size!

No matter what old enterprise, a stable company website can show all customers the strength and culture of the company and win trust and respect!

No matter a new enterprise, a healthy and hard-working company website can let your partners see your vitality and motivation!

If your peers and competitors are building their own corporate websites, do you need a talking website?

4. What products does the financial industry sell?

The financial industry is mainly divided into three categories: banking, securities and insurance 1. Bank: (1) Self-operated category: self-operated bank wealth management products, that is, self-operated wealth management products designed and developed by banks themselves. ⑵ Consignment category: The wealth management products sold by banks are different from those issued by banks themselves. The former is designed, managed and distributed by other financial institutions such as fund companies and trust companies, and mainly invests in secondary markets such as stocks and bonds. Commercial banks only undertake the sales function and fund custody of some products, do not operate the funds in investors' accounts and do not bear relevant responsibilities. 2. Securities: (1) brokerage business. Acting for you to buy and sell some securities means that we open an account in a securities company, and he enters the exchange to buy and sell according to our instructions, and his income comes from commission. (2) Self-operated business. Advantages of small capital scale and low cost Self-operated business, buying and selling securities to make money (3) Asset management business. There are many benefits. The customer gives him money, and he helps you manage your money and earns financial service fees from it. (4) Margin trading. Lend money to customers to buy securities or sell securities to customers, and charge customers a service fee. (5)IB business. Many securities companies control their futures companies, or both are controlled by the same institution. Securities companies help futures companies attract customers and charge service fees. (6) Issuing and underwriting business. To be listed, the shares of a joint-stock company must be recommended by a securities company, which involves many laws. I dare not be mercenary. After listing, I underwrite for joint-stock companies (the shares of joint-stock companies can no longer be sold by themselves), and underwriting will cost a lot of money. 3. Insurance: property insurance: enterprise property insurance, engineering insurance, automobile insurance, liability insurance, ship insurance, freight insurance, family property insurance, credit insurance, guarantee insurance and agricultural insurance; Personal insurance: life insurance, accident insurance, health insurance and critical illness insurance; PS: Other types of financial sales revolve around these three, such as loans.