(一建立健全相关配套机制,优化金融发展环境
首先建立高新区金融工作联系制度。政府相关部门要加强信息沟通,协调解决高新区金融工作中的重大问题,根据各自职能对高新区企业的直接或间接融资提供相应的政策扶持或服务,加强货币政策、财政政策和产业政策的协调配合,把握好宏观调控政策的重点、力度和节奏,充分发挥政策合力,形成促进高新区发展的组合拳。财政部门要加大财政奖励支持力度,提高财政资金使用效率,从鼓励创新、企业表彰奖励等方面对企业进行激励。各监管部门加强部门之间的配合与协调,建立健全落实信货任务指标考核体系,完善高新区信货评价机制,强化对商业银行金融服务的考核力度,提升金融服务水平,不断优化高新区金融发展环境
(二引导鼓励创新信货融资模式,切实加大有效信货投入
一是加强对高新区四大主导产业的信货支持。银行业金融机构应分别结合自身优势,加大对符合货款条件的高技术产业项目、拥有自主知识产权、具有较强研究开发能力的创新型企业的支持力度。重点支持具有一定优势的电子信息、先进制造、生物医药、现代服务业四大主导产业发展,形成多元化的高新技术产业群。加大科技含量较高、创新性强、成长性好,具有良好产业发展前景的科技型中小企业的支持。二是继续加大对科技资源大市场建设的信货支持,要针对技术转移、成果交易、成果产业化等方面的融资需求与特点,不断创新金融产品,完善业务流程,切实加大对科技资源大市场建设的信货支持。三是积极推动商业银行与信用担保机构、创业投资机构、科技企业孵化器等机构的.合作,大力推行"企业+担保基金+银行'"银行+担保+合理的风险补偿"、"股权+债权〃等融资模式,有效满足自主创新型中小企业的资金需求。
(三构建多元化的直接融资体系,拓宽企业融资渠道
一是高新区相关部门要加强与证券监管部门、证券交易所的合作,有效发挥政府在企业上市工作中的组织、协调和指导作用,努力创造有利的企业上市环境和条件。引导企业转变观念,支持具有持续盈利能力、主营业务突出、规范运作、成长性好的企业进行上市融资,并努力培育上市后备企业。二是具备债券承销资格的金融机构要充分利用其在银行间市场的信息技术和承销便利,支持符合条件的科技创新和高新技术企业特别是中小企业,充分运用短期融资券、中期票据和公司债、可转换债券、私募债等直接融资工具满足企业经营发展的资金需求。鼓励各类担保机构联合提供担保服务,提高集合债券信用等级。三是加大新三板挂牌企业奖励扶持和补贴扶持力度,积极开展各类培训活动,持续推动区内企业对接资本市场;积极运用信托方式,通过向社会募资开展中小企业集合信托债权基金业务,支持高新区企业的发展。
(四积极完善风险投资机制,加大资金投入
一是建立促进风险投资发展的正向激励机制,进一步完善并扩充扶持政策的相关内容。探索建立适合高新区企业自主创新发展的风险补偿机制,对向自主创新企业提供融资的机构,视其不同阶段的风险高低,提供差别化的风险补贴等。探索完善国有创投企业的内部考核激励机制,如允许国有创投机构采取期股、期权、奖励等多种分配方式,调动管理团队的积极性。二是不断优化促进风险投资的外部融资环境,进一步健全会计审计、法律咨询、上市咨询、财务辅导等中介服务体系,为创投企业提供相应支持。发挥创业风险投资行业协会的作用,促进创投行业与政府部门、金融业的交流与合作,切实加大对创投企业及其投资企业的金融支持。
(五大力推进融资平台企业的功能转型,充分发挥产业融资服务功能
根据中央政府及监管层的政策导向,融资平台企业改制和业务转型是现实发展的必然。结合高新区融资平台实际和未来城市建设及产业发展战略,政府融资平台要逐步弱化现有的集团化〃投、融、建、管〃思路,通过特许经营权、合理定价等事先公开的收益约定规则,鼓励社会资本通过PPP(PublicPrivatePartnership,公私合营模式或政府与社会资本合作等模式,参与城市基础设施等有一定收益的公益性事业的投资和运营;通过地方政府债券资金和各项扶持产业发展的专项资金,探索投资公司、控股公司与金融结构开展战略融资合作,使控股公司、投资公司真正转型成为西安市战略产业发展扶持平台,实现财政政策与货币政策的高效对接,更好地发挥产业融资服务功能。
(六加强金融生态环境建设,营造良好发展环境
良好的金融生态环境是提升企业融资能力、促进高新区健康发展的基础。一是建议拓宽企业与个人征信系统的使用范围,通过把采用发行债券、上市融资、融资租赁等其他融资方式的企业的信用信息纳入征信系统数据库,并向相关机构开放查询功能,从而达到解决信息不对称的矛盾及为防范和化解风险提供有效信息支持的目的。二是继续推进信用与金融服务平台建设,促进企业建立规范的财务制度,提高财务管理水平,增强财务信息的真实性和透明性,提高自身经营管理水平,增强可持续发展能力和抗风险能力。三是积极推动政府有关部门整合担保资源,加快建立以政策性担保为主体、商业性担保和互助性担保为补充的信用担保体系,提高担保能力,完善担保机构的多层次风险分担机制,不断优化信用担保的社会化服务体系。
i think students should share some housework with their parents. the reasons are as follows. first, doing some housework can enable the students to have some sense of responsibility. there is a lot of housework in each family. as a member of the family, each one should do his or her share. since a student is a member of the family, undoubtedly, he is of no eception. in the second place, doing some housework can give the student opportunities to get to know his parents better. by doing housework, a student will know how hard it is for his parents to go to work everyday while raising a
family. he will make even greater efforts in his study later on. finally, doing some housework can give the student a chance to do some physicaleercises. since the student has to sit studying most of the time, this is certainly beneficial to his health.in light of the above, i strongly recommend that those who are not in the habit of doing housework start doing some right now. your parents will be pleased and you will learn something from it.
these young people are wrong. in my opinion every student should have a knowledge of housework. after all, they will have a family of their own, and they should do their part in keeping a good home. boys should also learn to do housework, for what will they do if they remain single? though not all boys remain single, yet they will be very helpful in the family if they know some housework. anyhow they will not lose anything, but, on the contrary, they will gain something useful.
for what i said above, we can find some eamples of our fellow-students studying abroad. all young men do housework as girls do. someone would argue that we can employ servants. this is true. however, what shall we do if the servant leaves us and all things are left to ourselves? we just cannot leave our clothes as they are and let worms and ants eat them up. and what can we do it we go and study in a foreign country where servants are out our means to employ? we must work for ourselves. why not start to learn to do housework now or else it will be too late? everyone should learn to do housework. what do you think about my idea, boys and girls?
(一融资平台面临转型,融资支撑力度减弱
西安高新区采用开发区与行政区并行模式,管委会作为市政府的派出机构,根据《西安市开发区条例》和政府授权,行使市级经济管理权限和部分行政职能,对园区实行统一管理,西安高新控股有限公司等公司作为政府性融资平台主要为高新区基础设施建设进行融资。而《关于加强地方政府性债务管理的意见》等文件出台后,严格规范政府性融资政策的着力点更多指向政府融资平台的融资行为,随着平台公司公益性、准公益性资产和债务剥离,融资平台业务发展面临转型,其对高新区显性或隐性的融资支撑力度将会大大减弱。同时,企业将面临来自政府和市场的双重压力,正常融资和运营活动将可能出现诸多不确定风险,融资前景不容乐观,对支撑高新区基础设施建设可能带来影响。
(二信货创新力度不强,融资渠道有待拓展
银行信货作为配置资金资源的主要手段,对于有效满足企业融资需求、促进经济快速发展具有重要意义,但由于信货激励机制不完善、商业银行创新动力不足等因素影响,银行信货融资主渠道作用未能有效发挥。银行的〃盈利性、安全性、流动性〃特性与高新区科技企业的"高投入、高风险、高收益〃特征存在结构性矛盾,银行经营对信货风险实行严格的追责制度,加之高新区对商业银行信货激励机制的不完善,致使商业银行信货投放积极性不高。同时,虽然金融机构在信货产品创新方面取得一定成绩,但信货产品、信货服务模式等方面的创新力度仍显不足,存在产品规模较小、品种不足等问题。如知识产权质押货款配套机制问题,软件外包货款、文化创意货款等新型融资产品明显不多,需要不断提高金融创新能力,探索开发多样化的信货产品。
(三创业投资观念滞后、企业中早期发展资金缺乏
创业投资对于高新区的科技企业具有风险分散、产业培育、完善公司治理机制、降低交易成本、促进要素集成等一系列作用。从全国比较来看,西安高新区创业投资基金在规模和种类等方面,与北京中关村、武汉东湖、上海张江等自主创新示范区存在明显差距。西安高新区创业投资机构主要是外地机构,在资本市场整合资源的能力等方面具有本地创业投资企业无法比拟优势,而本地创业投资企业大多是政府或中小民营企业发起设立,缺乏与资本市场对接的通道。在投资项目及阶段上,比较成熟的企业交易
获得投资,处于成长阶段的企业获得融资支持则比较困难。而西安高新区众多的中小企业资金需求压力最大的阶段却在早、中期,可以说,对于轻资产的科技型中小企业,这个阶段是否能够获得创业投资是决定企业能否健康发展的关键。但创业投资机构出于企业成长风险、收益等因素考虑,在企业发展的早中期介入不够。
(四资本市场融资进展较慢,中小企业债券融资困难
一是西安高新区资本市场融资进展相对较慢,在上市企业数量及融资额等方面步伐不快。截至目前,西安高新区境内外上市上柜企业为72家,仅占中关村上市企业数的33.3°%。二是西安高新区在中小板、创业板、新三板融资中,仅有那些产品成熟、市场前景广阔的高科技企业及少数中小企业能够争取上市筹资,大多数的小微企业则无法通过资本市场进行融资。三是首次公开发行股票或"新三板"挂牌要求主体应当是依法设立且合法存续的股份有限公司。而西安高新区后备上市企业还存在公司治理结构不完善、财务制度不规范等问题,有的甚至存在公司资金被控股***、实际控制人以借款、代偿债务或者其他方式占用的情形,直接影响企业上市融资进度。四是债券融资是企业外部融资的重要途径,在提高金融资产流动性等方面具有股权融资不可替代的作用。但西安高新区债券融资中,大型企业占比较高,近三年大型企业债券融资占比高达九成以上,中小企业较难通过债券进行融资。
今天妈妈答应带我去她的办公室玩,我高兴的跳了起来,立马换上我最喜欢的.T恤,把头发梳得整整齐齐,好像去参加什么聚会。
来到妈妈的办公室,办公室比以前漂亮了很多,右边放着一排整齐的文档柜,左边放着两张办公桌,办公桌上放着一些办公用品,还有两台电脑,墙上挂着两幅美丽的画框,显得非常优雅、舒适,就连地板都能照得出自已的样子。再住前走,好大的一扇窗户,放眼望出去,哇!好大一片树林,树上还有知了的叫声,树下还有小孩子们在嬉戏呢!
妈妈的办公室真好,我以后一定要好好表现,争取妈妈能多带我来几次她的办公室。
Yesterday, our class had a discussion about whether junior students could ride electric bicycles to go to school. 25 students of our class agreed with it, because they said that it is convenient for them and it could take less time to go to school. If they took bus, sometimes the bus come late and it might make them late for school. But the other 35 students didn't agree with them. They said it is not safe for the junior students to get to school by electric bicycles, for they are too young. They also said in the morning the traffic was very busy and the students couldn't ride electric bicycles quickly. Besides, there are too much electric bicycles in the street now, they can get hurt easily.
昨天,我们班讨论了关于中学生是否该骑电单车上学的问题。班上25位同学表示赞同,因为他们认为这样比较方便而且更省时。如果他们坐公车,有时候公车来得晚就有可能使他们迟到。但是,另外的\'35位同学不同意他们的看法。他们认为中学生骑电单车上学是不安全的,因为他们还太小了。他们还认为早上交通繁忙,学生骑车不能太快。而且,现在路上的电单车太多了,他们很容易受伤。
nowadays, we can see some boys and girls who live in a small world of their own. they bury themselves among books and are proud of themselves. they think that it will make them lose their face if they do housework for they often think themselves very noble.
these young people are wrong. in my opinion every student should have a knowledge of housework. after all, they will have a family of their own, and they should do their part in keeping a good home. boys should also learn to do housework, for what will they do if they remain single? though not all boys remain single,yet they will be very helpful in the family if they know some housework. anyhow they will not lose anything, but, on the contrary, they will gain something useful.
for what i said above, we can find some eamples of our fellow-students studying abroad. all young men do housework as girls do. someone would argue that we can employ servants. this is true.however, what shall we do if the servant leaves us and all things are left to ourselves? we just cannot leave our clothes as they are and let worms and ants eat them up. and what can we do it we go and study in a foreign country where servants are out our means to employ? we must work for ourselves. why not start to learn to do housework now or else it will be too late? everyone should learn to do housework. what do you think about my idea, boys and girls?
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