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The Legal Research On Credit Guarantee System For Small And Medium-sized Enterprises In China

Posted on:2011-04-23Degree:MasterType:Thesis
Country:ChinaCandidate:Y Y DingFull Text:PDF
GTID:2196330338491830Subject:Economic Law
Abstract/Summary:PDF Full Text Request
Financing difficulties has been a common problem for SMEs all over the world. For the SMEs in china, situations are even exacerbated because of the global financial crisis. The SMEs in China are facing the biggest survival challenge since the reform and opening up policy 30 years ago. Given the important role of SMEs to the national economy, how to overcome difficulties in financing in order to support the development of small and medium enterprises, has become an important issue to the national economy and the people's livelihood. As a bridge and link between banks and SMEs, credit guarantee has become a breakthrough in solving the financial difficulty for SMEs. And the improvement of the legal system of credit guarantees is pivotal to tackle the financial problem. By making comparison of the credit guarantee systems between developed countries, this thesis analyzes and summarizes achievements and shortcomings of the legal system of China's SME credit guarantee, and puts forward a number of proposals to improve the legal system of the SMEs, hoping to provide some legal help to solving the financial difficulty of the SMEs in China.This thesis can be divided into four parts:I. An overview of SME credit guarantee. This section introduces the background of the subject, literature review, the meaning of the subject. SWOT analysis is creatively used to analyze the internal and external causes of China's SMEs financing problem, as well as the advantages and disadvantages of the SMEs, putting forward the idea that the credit guarantee is a necessary choice to solve the financing difficulties.II. The current status and problems of the legal system of China's SME credit guarantee. By analyzing the current status, this thesis discovers the problems, such as the absence of the legislation and surveillance to the legislation, and the imperfection of the control system of the risk prevention.III. The comparative study of the legal system of SME credit guarantee. Based on the study of the successful experiences of the legal system of credit guarantee of the United States, Japan and South Korea, the common ground that can be used by China is found, and general framework of the legal system of the credit guarantee is built.IV. Improvement of the legal system. Based on the problems analyzed in the previews part, advises are provided correspondly: development of SME credit guarantee law, to develop the "SME Promotion Law Implementation Rules," clean-up departmental regulations, improve the regulatory system, a sound risk prevention and control system.
Keywords/Search Tags:Small and medium-sized enterprises, Credit guarantee, Legal system
PDF Full Text Request
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