On The Sem Financing Legal Innovation

The rapid development of SME, has become China's economic development, prosperity and expanding employment market, an important foundation. The development of the global financial crisis has negative effects for SME, so that more and more prominent SMEs operating difficulties, shortage of funds the development of SMEs is crucial for survival and development of SMEs problem, urgent need to broaden the financing channels for SMEs. As the financing of SMEs involved in many aspects, can be analyzed from different angles, different solution paths, This paper analyzes from a legal point of view of difficulties in financing SMEs in the path of governance. Papers from the start of the SMEs in the object, respectively, of the small and medium enterprises from the personal, non-financial institutions, financial institutions, the main categories of indirect financing of the legal relationship with the existing barriers, focusing on solving business and corporate lending between financial, corporate and financial financing secured two major inter-agency legal issues. Financing through the existing inter-enterprise lending laws and regulations and the issue of whether a reasonable analysis and discussion, the paper pointed out that enterprises should be allowed to release the legally binding loan financing, the establishment of a unified market economy needs the current laws and regulations compatible the establishment of a unified coordination and management bodies, the strengthening of legal advocacy, normative self-regulation system and establish reasonable tax incentives and other improvement strategies; for enterprises and financial institutions, security issues between the loan financing, the paper points out deficiencies in the existing security system, in reference experience of developed countries, based on recommendations Enactment of legislation to resolve a security faced by the SME loan guarantee personal property interests and financial intermediation with the outstanding contradictions, so as to achieve from a legal perspective to reduce the difficulty of financing for SME.This article is divided into three parts: (a) the legal status of SME finance; (b) inter-enterprise financing the legal analysis and response; (c) SME financing guarantee the legal analysis and countermeasures.