Law Analysis About Medium-sized And Small Enterprises's Difficulty In Financing

Small and medium-sized enterprises (SME) financing problems as a global problem, Long-term restricts the development of small and medium-sized enterprises, is the country's long-term economic development of financial bottleneck. Under the influence of international financial crisis, bank loans to small and medium-sized enterprises in the more cautious and more demanding, small and medium-sized enterprise survival and development is faced with more severe tests, part of the small and medium-sized enterprises due to obtain bank credit support, is hard to resist the economic winter and went bankrupt. In order to alleviate the problem, the relevant departments of the state established a lot of policy and law. Because our country in this law is not perfect, still restricts the development.Based on the comprehensive analysis and investigation, logical reasoning method to analyze the status of financing for small and medium-sized enterprises, and puts forward some reasons, to improve our legal advice sme financing environment. This paper divides into three parts, using the theory and empirical combination of methods, first for small and medium-sized enterprises from various industry determination standards and concepts of financing, then shall introduce themselves with Banks from elements-driven training-camp financial institutions, such as relationship mishandled analyzes present situation of the financing of small and medium-sized enterprises in China. In the second part, the author mainly from the legal Angle analysis of China's smes' financing problems. In China's smes' financing legislation, it is not hard to find already some legal loopholes, such as low level and the legal conflict of law enforcement, also cannot even some corresponding some legal, such as indirect finance legislation is a blank。In order to find the financing of small and medium enterprises way, then in the last part, the author in view of existing problems, mainly from the legal aspects gives some ideas. On one hand we should improve macro legislation, on the other hand of direct financing and indirect finance legislative work along both lines, from the multi-angles many-side safeguard smes' financing smooth, solve gradually smes financing bottleneck.