家里有长脚蚊:请求翻译!!!

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中小企业可供抵押、担保的资产不足,担保难、抵押难,不能满足抵押条件是这些企业获得贷款最主要的原因。尽管在理论上,许多资产符合抵押条件。但实际在许多情况下,不动产好像是最常见甚至是唯一的能被接受的抵押物。然而,因为土地是国家。集体所有的,许多私有企业没有土地使用权或可作抵押的建筑物。而且,还需先评估企业资产的价值后,这些资产才能作抵押。而评估资产所需费用不菲,这项费用可以达到资产总值的1%。使得中小企业的财务负担过重,无法获得担保。从抵押方面看,一方面,中小企业的可抵押物少,银行对抵押物品的要求苛刻,除了土地和房产,银行很少接受其他形式的抵押品;同时不少中小企业在发展过程中又不同程度地存在着产权不清晰的问题,使得他们既无抵押物品又无法将产权抵押。另一方面,企业办理一笔财产抵押,需办理财产评估、登记、保险、公证等复杂的手续,涉及许多政府部门和中介机构,要提供多种相关资料,办理这些手续,同时要支付相当高的中介费用,这对于习惯进行灵活经营的中小企业而言,无疑会带来很大的制约;而且抵押登记和评估费用高、随意性大,评估登记有效期限短,经常与贷款期限不匹配。

Medium the small business enterprise can be provided as the property shortage of mortgage, guarantee, guaranteeing difficult, mortgage difficult, can't satisfy a mortgage condition is the reason that these business enterprises are lent money most.Though theoretically, many properties match a mortgage condition.But physically under the many condition, the real estate seems the most familiar even is unique of can be accepted of mortgage thing.However, because the land is a nation.Collectively all of, many private enterprises have no usage power in land or can make the building of mortgage.And, after also needing first value of evaluating the business enterprise property, these properties then can make mortgage.But evaluate the expenses that property need not , this expenses can attain 1% of property total.Make medium small business enterprise of the finance burden is over-weight, can't acquire guarantee.From mortgage aspect to see, on the other hand win a small business enterprise can mortgage a thing little, the bank requests to engrave towards mortgaging a product, in addition to land and house property, the bank seldom accepts the collateral for loan of other forms;Not a few in the meantime medium small business enterprise during the period of developing again the different degree ground exist to produce the power lack definition problem, making they since have no mortgage product and can't produce power mortgage.On the other hand, the business enterprise carries out a property to mortgage, needing to carry out property valuation, registering, insurance, notarize etc. the procedure of[with] complications, involve many government sections with in lie organization, provide various related data, carry out these procedures, want to pay to be very high in the meantime of medium lie expenses, this for carry on medium small business enterprise but speech of[with] vivid management habitually, will bring a very great check and supervision doubtless;And mortgage register and evaluate expenses is high, at will sex big, evaluate register the expiry date is short, usually don't match with loan tenure.