Research On Movable Property Secured Financing Of China's Small And Medium Enterprises

As a valuable body, the role of Movable Property is not that much well known as Real Property in the process of an economic operation, this is mainly determined by its own economic characteristics and guarantee system. Back to the old days, the movable property has been playing an important role in financing and has often been practically used in the ancient community, but only involved with small amount of money with simple transaction procedures in people's daily life. Along with the social economy development, movable property has shown its potential of expanding, the movable property holders are often urging for urgent funds in the society, they are not qualified for financing real property, therefore they can only rely on using movable property for financing to generate liquidity. When the funding resources are able to maximize the economic benefits, hence pushed the overall society civilization move to the next level. Although in China many commercial banks have introduced a multiple of loans about movable property secured financing, the developing progress is slow. So how to realize the function of movable property secured financing is a question.Small and Medium Enterprises (SMEs) has been the driving force of a country's continuous development and source of innovation, the number of Chinese SMSs accounted for more than 90% of the total number, industrial output value accounted for 40%, absorbed an 80% of the job supplement, and created 90% of new job opportunities. However, SMEs plays such an important role in China's industrial market but still faced with certain international problems– financing difficulties. Obtained financial support for SMEs accounted for only 20% of credit resources, can hardly able to meet the demands of SEMs for capital production technology, this is lead to many SMEs had plenty of good technologies and visions, but cannot be further developed. At present, many national governments have shown their support on financing for SMEs, the nature of the Chinese government's guarantee agency, committed to SMES as well as some small banks serve to SMES in financing innovation to seek a breakthrough. Therefore movable property secured financing system is in a perfect timing to improve. The government encouraged the commercial banks to pay attention to the SMES'resource, and encouraged them to make the SMES be their customers of high quality. Through the movable property secured financing, the SMES'movable properties can move really across the country to solve the financing difficulties.This article is structured by six parts. The first part gives an introduction on describing the research background and significance, as well as the structure proposal and innovative arrangements, together with a list of possible research inadequacies; second part places a definition in the term of"movable property secured financing for SMEs", also introduces the relevant theories and literature reviews; the third part suggests to improve the movable property secured financing system; fourth part explains the individual movable property secured financing situation of SMEs in China, hence pointing out the perfect lead direction; The fifth part introduces the foreign experiences in such cases, and inspiring from the Enlightenment, in order to solve the problem that china has been faced; The last part in accordance with china's financial mechanism and the loan scheme system, make recommendations and compositions on movable property secured financing for SMEs, in order to build up and maintain a reasonable financial system.