Chicago Bears rookie quarterback Mitchell Trubisky tried on Wednesday to pump the brakes on the continued hysteria surrounding his preseason debut.

“I don’t know what you’re talking about,” Trubisky said of Mitch Mania. “I don’t pay attention to it.”

For the most part, Danny Trevathan JerseysTrubisky said he successfully stayed in the bunker as Chicago reveled in his performance (18-of-25 for 166 yards and one touchdown) last Thursday at Soldier Field.“A couple more people texted me after the game -- family congratulating me,” Trubisky said. “I think it’s just a small step in the right direction. I’ve still got a lot of work to do. I was pleased with how I played, but plenty more mistakes are going on during practice for me that I need to work on and continue to improve in my game and make sure when I go out there that I’m doing my job to help other people do their job.

“I think it just showed me that I’m making progress, Walter Payton Jerseysthat I could go out there and lead and do my job like I wanted to show. But it was just a small sample. It was the first game, and you’ve just got to continue to be consistent in reproducing it. That’s why we’re out here working and practicing.”

Practice is where Trubisky can identify the majority of his flaws. Trubisky had no trouble with the vanilla scheme of Denver's second-string defense last week. But on the practice field, Trubisky often is shown looks he’s never seen before.

“[At practice], Kevin White JerseysI’ve been taking the wrong drop a couple times, Jordan Howard Jerseys[and I’m working on] getting the correct Mike [linebacker call] down so we have it blocked correctly,” Trubisky said. “[I’m working on] just being more efficient. The game was actually pretty clean; it’s more in practice.”

Saturday's game against the Cardinals is an even bigger test for Trubisky, who is expected to play sometime after the Bears pull starter Mike Glennon.

Arizona coach Bruce Arians won’t be bashful about showing stuff in the preseason. Alshon Jeffery JerseysDon’t be surprised to see the Cardinals go after Trubisky, who’s working on blitz recognition in practice but didn’t face much extra pressure in the Broncos game.

名词解释——集合票据

集合票据

集合票据,是指2个以上10个以下具有法人资格的企业,在银行间债券市场以统一产品设计、统一券种冠名、统一信用增进、统一发行注册方式共同发行的、约定在一定期限还本付息的债务融资工具。集合发行能够解决单个企业独立发行规模小、流动性不足等问题。

集合票据规避了中小企业单体发行债券的种种弊端,但需要一个牵头人,地方政府自然而然地承担了这一责任。由主体信用评级较高的专业信用增进机构为中小企业提供信用增级,不仅可以帮助中小企业获得直接融资的机会与能力,也可在一定程度上降低企业的融资成本。

背景

虽然不少商业银行将中小企业贷款作为战略重点和未来利润增长点,积极培育和大力发展中小企业信贷市场。但是,由于中小企业大多规模小,收益不稳定,抗风险能力差,缺乏合格抵押担保品,银行对其信贷的支持力度受到影响,通过间接融资获取的资金与中小企业的实际需求始终具有较大差距。而通过市场直接融资,依然由于资产规模、融资规模、信用等级、项目评估等具体问题,即使中小企业愿意支付额外的风险溢价,直接融资市场也未能成为其融资的常规渠道。
中小企业融资难主要是由于内部及外部两重因素造成的。内部因素是企业资产规模较小、信用级别较低,无法满足商业银行及债券市场投资机构对于企业授信的基本要求,因而较难获得融资支持;外部因素则受困于国内金融市场风险分担机制不健全、缺乏有效信用增进渠道等,中小企业即使愿意支付额外的风险溢价,仍较难进入债券市场,进行直接的债务融资。

缘由

为解决中小企业融资难题,中国银行间市场交易商协会从2008年6月便开始对中小企业直接债务融资问题进行调研,并于当年10月启动了中小企业短期融资券试点工作。

交易商协会在试点中发现,中小企业融资渠道极为单一,直接债务融资需求很高。虽然当地政府和有关职能部门对中小企业拓宽融资渠道的政策扶持力度不断加大,但中小企业单体发行债券太难了。“因为中小企业体量较小,发行债务融资工具的规模太小,成本也很高,相关金融机构参与意愿不强,二级市场的流动性也差。”朱宁分析道。在这种情况下,集合的概念就应运而生。

意义

对中小企业而言,在传统的银行贷款之外,又多了一个便捷的融资方式,终于可以尝试使用直接债务融资工具;对北京银行以及其他各金融机构而言,又增加了一个为广大中小企业服务的途径,解决长期困扰中小企业融资难的问题有了新的突破口。

显然,集合票据这一金融市场创新产品,对于解决中小企业融资难可谓雪中送炭。北京长城华冠汽车技术开发有限公司总裁陆群的感言是:中小企业集合票据是契合中小企业直接融资需求、市场化运作的创新产品,为中小企业融资提供了一个更高层次、更广阔的融资平台,使中小企业直接融资上了一个新的台阶,有效地缓解了这些企业融资难问题,切实帮助我们克服了企业发展中的困难。

三农企业融资难,直接融资更难,此次集合票据的发行开创了‘三农’企业直接债务融资的新途径。这一金融创新尝试将促进和带动农村经济更快发展,对于服务‘三农’意义重大。

 

 
.