A Study On The Innovation Of Credit System Of SMES

Small and medium-sized enterprises have very important meanings to the setting-up of the market economic system of our country and steady development of national economy. They play the role that big-sized enterprises have difficult to substitute in expanding employment, enlivening market, increasing income, maintaining social stability and forming reasonable national economic structure .In a certain meaning, the degree of being active of small and medium-sized enterprises marks the size of a country or the regional market economy vigor. However, small and medium-sized enterprises of our country face the serious credit crisis at present. Thus small and medium-sized enterprises face the difficulty of financing, resource to waste seriously and the cost of managing to strengthen constantly. In a result, it has influenced the healthy development of small and medium-sized enterprises seriously. Therefore, it is important to improve the credit management of small and medium-sized enterprises for promoting whole quality of small and medium-sized enterprises and synthesized competitiveness, resisting the credit risks, improve it's own financing ability, protecting the healthy development of small and medium-sized enterprises. And, it is realistic role to accelerate the construction of credit system of small and medium-sized enterprises for realizing the goal of country's macro adjustments and controls, supporting the excellent strong development of small and medium-sized enterprises. To the predicament of the credit that small and medium-sized enterprises of our country face at present, this article collects new system economics, information economics, game theory, theory of the system and way of thinking and achievement of modern management etc., and makes the economic analyses behavior of lacking credit by small and medium-sized enterprises deeply, and has explained the research meaning, research approach, and setting up the subject frame of thesis. Gratifyingly, study about the theory of credit management and its application receives the general concern of domestic and international theory circle and practice of circle day by day, more and more experts and scholars have carried on the positive and beneficial discussion to this question. But the economist and modern scholar have carried on research from aspects such as legal norms, moral ethics etc., and mostly emphasized the important function of credit in a certain respect simply. In particularly, these researches on credit administration are less about SMES of our country. Therefore, this article focuses on the credit crisis which SMES of our country face, and the writer has widened the study range on the basis of the past, carried on systematic discussing and thinking to the credit management of small and medium-sized enterprises from the visual angle of economics, system science, management engineering. In the other hand, this article has proposed structuring a whole set of system modes of credit management system of small and medium-sized enterprises, and has thought that the credit management system of small and medium-sized enterprises as the necessary system arrangement should be systematic carried on from outside and inside environment. The inside credit system arrangement consist of credit cultural institution and credit management institution. Among them, the system of credit management is the safeguard, and the system of credit culture is the core. Two complements promote one another, and constitute the internal mechanism of enterprise credit system together. The external credit system namely social credit system includes punish system and service system. The system of credit restraint is namely as the system of credit law construction, which is the safeguard of social credit system and the enterprise's credit system construction. But the system of social credit service is the important support foundation of enterprise credit management. The two institutions relate closely, constitute exterior system environment which enterprise credit system is necessary to exist. Finally, the author summarizes this article in an all-round way, and proposes some problems that we could researches on the future.