| Small and medium-sized enterprise (SME)is the basically and powerful cell andelement in the market economy. because of SME natural market advantage, it has theposition and function that the big business enterprise can't act for in the aspects ofinsuring a national economy staility growth, alleviating employment pressure, pullingto move a folks investment, excellently turning economic structure and helping themarket to compete, push forward technique creatively, promote market prosperous andconvenient crowd living and keeping social stabilize and so on. But because SME scaleand market competition ability is shortage, the anti-risk's ability is low, it is extruded amarket very easily when need is shortage. Because of its natural weakness in the marketcompetition, It has been the bottleneck problem particularly SME checking andsupervision's develop more. The problem of SME is a structure and system problem, itis the result of various factor interactions such as internal factors in business enterprise,financial system, the government policy. The paper seeks different forms of financeways that is suitable to SME. It discussed why do the finance way innovation of theSME, and various creative system conditions. Then concrete the point of folk debit andcredit, cooperation finance, finance medium and SME bank etc. form characteristicsanalysis, disused the coherence between SME and above, discussed how to establishthe folks directly debit and credit finance way, and develop finance medium andcooperate finance, build up SME bank system. At last this paper is provided creativeguarantee and support to the SME finance way by establishment of the SMEinformtion, the reputation system, the law of the SME finance way. The theory's notonly to seek different forms of innovation of SME finance way, more is quest ofmechanism of the SME development under the WTO environment,and is also thekind of thinking of financial system innovation.This text totally has seven parts.The first part discussed SME finance way Mainly elaborate the SME concept inour country, the function and meaning of our country economic development,development present condition, policy law environment etc. Then discussed concept ofthe SME, announced to public the problem of SME finance way,such as the narrow offinance way, the structure isn't reasonable, the margin cost leads a high problem, and tocarry on analysis for the formation reason of problem. The second part is mainly the creative necessity analysis of the SME finance wayinnovation. Because traditional finance way such as bank, non- bank financinginstitution, stock market don't match SME finance in structure and property accordingto respectively of characteristics and property, so they can't satisfy the need of SMEfinance. It is hard to resolve in the traditional finance way scope, so we have to carry onthe innovation the SME finance way.The third part is the possibility analysis of the SME finance way innovation. Thedevelopment of our country financial market, the nation carries on the reform of financesystem, our country support of existent great deal of funds and the financialenvironments under the WTO are all the conditions of the SME finance wayinnovation. They provided the system and the preparation of the material for financeway innovation.The four-part is the point of full paper, is the quest of new forms for SME financeway innovation. By folk debit and credit, cooperate finance, finance medium and SMEbank etc form concept characteristics and merit and shortcoming analysis, discussedthese SME finance way superiority with coherence and how to establish the folksdirectly debit and credit finance way, and develop finance medium and cooperatefinance, build up SME bank system, promote SME finance, actively investigate adifferent form of SME finance way.The fifth part is to discus the guarantee of the SME finance way innovation. aimat reputation and information imperfection characteristics of SME finance, analyze thereason of reputation and informtion imperfection, discussed the importance and thenecessity of the reputation and information to SME finance way innovation, reputationsystem and information system which build up complete system doubtless is to carryon the important guarantee to the SME finance way innovation.The sixth part is to discuss law support of the SME finance way innovation, takebasic law as foundation,《SME promote law》is center and guide, SME fair competitionlaw,《SME finance industry law》,《SME organic law》《SME finance law》etc. Thesystem of SME finance constitutes by multiform and concrete law is law and juridicalsupport for SME finance way innovation. |
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