Legal Regulation Of Credit Guarantee For Small And Medium - Sized Enterprises In China

Every country in the national economy in the world, the most important part ofthe small and medium-sized enterprises. Small and medium-sized enterprises byproviding jobs, incentive and orderly market competition, strengthening thetechnical reform and innovation, the social and economic development of countrieshas played a great role in promoting. And these effects are small and medium-sizedenterprise is difficult to replace. But in recent years, China’s small and medium-sizedenterprises in the way of financing is relatively narrow, difficult to get money, isalready a limit a bottleneck of the development of small and medium-sizedenterprises in our country. Financial difficulties of small and medium-sizedenterprises, the internal cause is that the deficiency of small and medium-sizedenterprise itself, and the other is relatively complicated, it involves the reform ofmarket economy in our country, the establishment of the relevant laws andregulations, etc. So must be passed by national macroeconomic regulation andcontrol of the market, and actively promote the related legislation to ensure that theexternal conditions of development of small and medium-sized enterprises. Andestablish a complete credit guarantee system to help small and medium-sizedenterprise development, is an effective way. Through the credit guarantee system forsmall and medium enterprises can get their in urgent need of money at the same time,reasonable control risk in the financial markets. In today’s Europe and the UnitedStates developed countries, are based on the country’s national conditions andestablished a very perfect credit guarantee system. This paper draw lessons from theadvanced experience of developed countries, starting from the actual situation in ourcountry at the same time, for small and medium-sized enterprises credit guaranteesystem from the view of law are analyzed and studied. Finally for how to improvethe small and medium-sized enterprises credit guarantee system in our country someSuggestions were put forward.In this paper, the main narrative is divided into the following four parts:First, overview of SME credit guarantee. Through explaining the definition of small and medium-sized enterprises, and it plays an important role in the marketeconomy. After the introduction of China’s small and medium enterprises themain problem, namely the financing problem.Second, the credit guarantee system, the system can be used as a means to solvethe financing difficulties of small and medium-sized enterprises. The SME creditguarantee practice situation in our country, and also analyzed the difficulty atpresent.Third, through the comparison of European and American countries for SMEscredit guarantee legislation present situation, find out the worthy of our reference,such as through the legal system of credit guarantee for small andmedium-sized enterprises to regulate and protect.Fourth, according to the existing problems and experience of the developedcountries in Europe and America, and puts forward some improving the creditguarantee system for SMEs advice.Last, at the end of the paper is targeted puts forward some Suggestions ofperfecting SMEs credit guarantee, credit guarantee for small and medium-sizedenterprises and the general commercial guarantee, it is the government’s support andhelp, the government shall formulate the corresponding support policy and perfectrelevant law, so as to promote the development of the industry.