The Construction Of The Credit System For The Financing Of The Small And Medium-sized Enterprises In China

The small and medium-sized enterprise plays a very important role during the development of our country's economy. It faces all kinds of difficulties in the course of its development among which the financing difficulty has been the most heavy obstacle that restrains its development. There are many reasons that cause the financing difficulty, but the basic reason is that the financing credit system for small and medium-sized enterprise which is in conformity with market economy has not been set up. So the probe into the ways to perfect the financing credit system for small and medium-sized enterprise become both theoretically meaningful and realistically meaningful for solving the problem of financing difficulty of small and medium-sized enterprise, and driving the rapid development of the small and medium-sized enterprise of our country. Because of this, this thesis has explained the intension of credit, credit system and the function of the credit system at first, generally explained the role of the credit system in financial trade from the transaction cost theory angle, and make a concrete analysis of the role of the credit system for small and medium-sized enterprise played in financing from the information economics theory angle. On the basis of this, the current situation of financing difficulty of small and medium-sized enterprise of our country has been observed from two respects that are internal source financing and external source financing. Then the thesis deals with the analysis of the origin of financing difficulty of small and medium-sized enterprise of our country which is the lack of credit; Then recommends the experiences of the improvement of financing credit construction of small and medium-sized enterprise in both developed countries and developing countries for China to draw lessons from; Then it proposes the countermeasures of strengthening the financing credit construction of small and medium-sized enterprise in China from microscopical aspects, which includes the small and medium-sized enterprise cultivating good credit consciousness conscientiously, structuring the reference system of financing credit for small and medium-sized enterprises, setting up and perfecting the assess system of financing credit for small and medium-sized enterprises, perfecting and developing the guarantee system of financing credit for small and medium-sized enterprises, setting up and perfecting the encouragement and punishment mechanism of financing credit for small and medium-sized enterprises, combining the financing credit constructionfor small and medium-sized enterprise in China with the reform of property right system. At last it probes into the countermeasures of strengthening the financing credit construction of small and medium-sized enterprise in China from macroscopical aspects, which includes the government making positive function full play, strengthening the code of ethic and optimizing legal environments, etc.