Research About Indirect Finance System Of Chinese Small And Medium-sized Enterprise

SMEs is an important strength of national economy in our country, Pushing a development of national economy, constructing the main body of market economy and promoting the strength of social stable foundation. At present, the SMEs develop a more and more important function in insuring national economy to increase, alleviate employment Pressure, carry out science and technology to make a country strong appropriately, encouragement folks investment etc. Passed the development by recent years, the SMEs already become a lively main strength of the national economy to our country,the importance cannot be ignored, but the financial develop problem have deeply effected the further development of the SMEs.The first part explains the back ground and purpose of study and proves that the research on the system is necessary.Second, it sums up the researching status quo home and abroad, Finally, lt summedup the main content to be discussed and the methods used.The third part elaborate some successful international SMEs'indirect financing system. Selecting the United states, Germany, Japan as research target, it analyses the characteristics of these SMEs'financing systems in detail and compare these systems to prepare for the establishment of SMEs'financing system in our country.The fourth part of the paper analyzes the status quo in view of the SME financing system First, It defines the concept of SMEs related to financing,summarizing the connotation of the financing system of SMEs; Second, it analyzes the characteristics of SMEs'financing in China; Finally, it analyzes the plight of SMEs'financing.The last part discusses the construction of Chinese medium and small sized enterprises'financing system. It argues that the SME financing system consists of three areas, namely SME financing for the supply system, SME financing and credit guarantee system and SME financing supporting system. Supplies system solves the market fund pond problem, the auxiliary system main1y elaborates the skeleton strut function which the government displays, the construction of the credit guarantee system mainly is for stability of the financing system. Through this six-part exposition, on the basis of clearing concept, analysis of status quo, diagnosticating dilemma, comparative analysis of SME financing system and learn from international experience to make policy recommendations for SMEs which is the most dynamic, most innovative, and the most potential in our national economy about the financing of its system construction, to look forward to contributing to the development of SMEs.