Therefore , under the condition that the poor are unable to get access to the credit by the two ways of the formal financial institutions and the subsidized loans , they need a new institution called microfinance 因此，在正规金融系统和贴息贷款扶贫方式无法将信贷扶贫资金传递到农户手中的情况下，人们需要一种新制度，这便是小额信贷扶贫的创新。
This proportion of government funds shall be chiefly used as initiation funds , discount loans , subsidy funds , risk investment and other funds for promoting transformation of scientific and technological achievements 科技成果转化的国家财政经费，主要用于科技成果转化的引导资金、贷款贴息、补助资金和风险投资以及其他促进科技成果转化的资金用途。
In order to advance the development of student loan of china , following policies are necessary . first , the government should make laws about student loan and give more allowance to the commercial bank that supply student loan 政策建议： （ ）政府应完善关于助学贷款的法规、制度，扩大助学贷款政策优惠范围，加大财政贴息力度，加强对助学贷款监管。
Second , subsidized loans policy adopted by the overwhelming majority of developing countries brought about the following questions : the leakage of profit was serious , the subsidized loans were often grabbed by the ric h and the rate of loan payment was very low 其次，大多数发展中国家所采取的扶贫贴息贷款产生了利益漏出严重，贴息贷款常被非贫困者攫取以及还款率低等问题。
For those innovation projects of smes with considerable scale and technological standard , loan interest subsidiary is to be adopted to support and encourage the smes to utilize loans from commercial banks , so as to rapidly enlarge their production scale and enhance the competitiveness of their products 对于已有一定规模和水平的中小企业创新项目，采取贴息方式支持和鼓励其使用商业银行贷款，以尽快扩大生产规模和提高产品竞争力。
As the result of the innovation to traditional irregular credit modes and general credit modes of formal financial institutions , microfinance possesses innovative nature in financial system , financial product and organizational system , etc . for a long time , rural financial market has developed slowly in our country , the contradiction between financial supply and demand is very outstanding , the governmental subsidized loans program for the poor has not been operated effectively , therefore it can not improve the rural financial situation once and for all 小额信贷作为对传统的非正规信贷方式和正规金融机构通常的信贷方式进行创新的结果，其创新性表现在金融制度、金融产品和组织制度等方面。长期以来，我国农村金融市场发育迟缓，信贷资金供求矛盾突出，政府扶贫贴息贷款运行效率不高，难以从根本上改变农村金融状况，迫切需要进行农村金融创新，以适应农村经济进一步发展的要求。
As part of a new package of preferential policies offered for the same purpose by the state in june 1997 , the people ' s bank of china will offer 100 million yuan in a discount - interest loan a year during the ninth five - year plan period ( 1996 - 2000 ) for the construction of an ethnic trade network and the technological transformation of the designated enterprises for producing ethnic articles for daily use , and the state - owned ethnic trade enterprises and grass - roots supply and marketing cooperatives below the county level ( excluding the county ) shall be exempt from value - added tax 1997年6月，国家出台了新的民族贸易和民族用品生产的优惠政策，其中包括在“九五”期间( 1996 ? 2000年)每年由中国人民银行安排1亿元贴息贷款用于民族贸易网点建设和民族用品定点生产企业的技术改造，对县以下(不含县)国有民族贸易企业和基层供销社免征增值税等。
Studies of schumpter and some other professors show that there is no significant relatedness between technological innovation and enterprise ' s operating scale . government should motivate the medium and small enterprises to carry out technological innovation , research and development , and to adopt new technology , toward which favorable policies should the offered . some of the technological innovation projects that have bright prospect should be provided discount support , in the mean time establish technological innovation financing projects 熊彼特、谢勒尔、阿罗等人的研究成果表明技术创新与企业规模之间并没有显著的相关性，作为政府应该调动中小企业创新和研发、采用新技术的积极性，给予优惠的政策；对市场前景看好的技改项目可予以技改贴息支持；并制定不同层次的技术创新资助计划。
To obtain loans with subsidized interest , the enterprises must submit their programs and the state economic and trade commission , together with the related departments screened the programs strictly according to the requirements on quality , variety , benefit and export expansion and focusing on metallurgical , textile , petrochemical , nonferrous metal , machinery , information , papermaking and other industries and environment protection , new and high - tech technological industrialization , selecting the outstanding and supporting the stronger , and inclining to the old industrial bases such as the northeast china and the middle and western areas appropriately 这次技改贷款贴息的使用，由企业提出项目，国家经贸委会同有关部门，严格按照质量、品种、效益和扩大出口的要求，以冶金、纺织、石化、有色、机械、信息、造纸等行业和环境保护、高新技术产业化为重点，对项目进行筛选，择优扶强，并适当向东北等老工业基地和中西部地区倾斜。
