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ports, he was afraid of an unqualified audit report be at risk , so the lack of accounting records Huaxing company legally valid original certificate of views on the matters of emphasis of matter paragraph after paragraph .

SME internal check system , audit system , quota management systems , measurement and acceptance system , financial inventory system, the cost accounting system, financial revenue and expenditure approval system and other basic systems , in general incomplete ; although a few of them or the system , the actual work never seriously enforced. SME managers also recognize that some of these problems, but to rely on the existing level of management and staff to establish and improve the quality of these systems can not , especially not sound internal control system to the enterprise with many negative effects , this situation not only harms the enterprise itself fundamental interests , such as causing the loss of corporate assets , serious waste management confusion, also led to external oversight difficult.

Insufficient funding is currently prevalent in the development of Chinese enterprises , but especially for SMEs , financing difficulties , financing costs are high . SMEs, due to weaker capital , market awareness smaller financing shortage of talent , and thus more difficult than large enterprises and financing of more difficult to get the support of commercial banks , coupled with the lack of collateral or guarantees , and thus also high financing costs , but as a commercial bank , in order to ensure the safety of self- management , has always been the traditional guarantees , mortgages and other lending model . In fact , both difficult to solve the financing difficulties of SMEs , but also difficult to prevent financial risks of commercial banks , so that safe operations , and as large enterprises due to strong, well-known, they are not only easy to obtain indirect financing , but also through the stock market issuance of corporate bonds and other ways to obtain direct financing, rather than small businesses to obtain direct financing is almost impossible, so the production of small and medium enterprises operating funds come from the accumulated profits of the enterprises themselves , relatives or friends of the borrower , the data show that China's small and medium enterprises in commercial banks medium-sized enterprises lending rate is five times the energy, while the average loan balance of SMEs and medium-sized enterprises is only about 5% , showing that lending to SMEs is inefficient . According to the United States and the European Union 's statistics show that SMEs obtain loans interest rates higher than the large enterprises the level of 2-5% .
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