Studies On Legal Issues Of Small-Scale Enterprise Loans

When the SME loan problem has attracted more and more attention at the forefront of research, the BaoShang bank cooperated with the World Bank introducing German IPC's small enterprises loans.In the cooperation of both parties, we found an interesting phenomenon. That is, German experts insist German IPC's small-scale enterprise loans can only suitable for small-scale enterprises and small-scale enterprises and medium-scale enterprises is not equivalent. But our staff, including staff from enterprises, government, academic institutions and the regulatory authorities always confuse small-scale enterprises with medium-scale enterprises. Discard the old concepts and think deeply we can come to a conclusion: The loans to SMEs and large corporate lending has tremendous difference, therefore, there are certainly great differences between medium-scale enterprise loans and small-scale enterprise loans.The theise of his paper is to discuss the small-scale enterprise loans in detail, and the legal issues faced in this process in order to give some advices from the legal aspact for the development of small enterprises loans.