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A Study On Legal Issues On Promoting Bank Financing Of SMEs

Posted on:2012-02-21Degree:MasterType:Thesis
Country:ChinaCandidate:W LiuFull Text:PDF
GTID:2166330332998507Subject:Economic Law
Abstract/Summary:PDF Full Text Request
SMEs play an important role in the economy of China, developing small and medium enterprises has become a long-term, international topic, but the SMEs also have a "strong weak position" feature, in particular the existence problem of "difficult financing", and the issue has become a long-term, worldwide problem. In this context, the paper discusses the issue of bank financing of SMEs from a legal point of view.From the perspective of actual situation of economic development in China, the development of SMEs plays an important role in the national economy, promoting the development of bank financing of SMEs can effectively promotes the development of market competition, improves the vitality of the economic environment. Bank financing of small and medium enterprises can effectively solve social employment. Most of the small and medium enterprises are labor-intensive enterprises. Thus, SMEs have dominant position in solving the social employment. Also, the skill and academic requirements for the employees of SMEs are relatively law, and SMEs can solve the employment problem of the rural population in the process of urbanization in rural areas. Bank financing by small and medium enterprises can promote the development of effective technology innovation and development of the industry distribution. For some high-tech industries and emerging industries, because of the small size, switch faster, but also usually they are started with SMEs enter. Promoting development of SMEs is to promote the development of high-tech industries and emerging industries.Based on the financing, bank financing for SMEs and bank financing theory and the legal system of foreign SMEs, the paper analyzes the status and deficiency of specific legal provisions for bank financing of SMEs in China. For the actual situation, the paper proposes measures for perfecting the legal system of bank financing. The measures include perfecting the legal system of bank financing for SMEs; state-owned commercial banks to improve the financing for SMEs; actively developing small and medium banks; perfecting the SMEs credit legal system; the perfect of SMEs credit guarantee system and much more. The measures have some theoretical and practical reference for improving the legal system of bank financing for SMEs.In other words, the rapid and orderly development of SMEs in the market economy of China needs the free competition environment, but also needs the support of the legal system. The existence of small and medium enterprises can make market to reflect the relative freedom of competition, improve market efficiency, promote the healthy and orderly development of the economy. The healthy development of bank financing of SMEs has a great role in promoting their own development of bank and SMEs, including many other aspects of economic development in China.
Keywords/Search Tags:SMEs, bank finaneing, legal system, eredit guarantee
PDF Full Text Request
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