China's Sme Credit System Study

Exchange economy is a cont of credit economy, the whole society should be creditable. Both the government and all the people should be creditable in the practice of management, operation and trade. All the credit relations should be controlled by laws and systems. One of the central systems of modern exchange economy is social credit system. At present, the establishment of sound social credit system has been listed as the main contents that restructures with the norm market economy order by the nation. As an important economic component, the construction of credit system in the small & medium enterprises is the important part of the social credit system constitution in our country.This paper regards small & medium enterprises in our country as the research object, analyzes the problem of credit construction which exists in the small & medium enterprises from the angle of institution construction. And it uses for reference that constructed perfect credit system such as America and Japan, putting forward some beneficial suggestion to the construction of credit system in our country's small & medium enterprises.This paper is divided into six general parts. The first and second chapters expatiate the general theories of credit construction in small & medium enterprises, making the cushion for the further analysis. It expounds the status and functions of the small & medium enterprises, and analyzes the function of credit system to standard the order of exchange economy. It concludes that the construction of credit system in the small & medium enterprises is crucial and essential. The third part analyzes the economy, law and humanities environment, put forward environment construction of credit institution in small & medium enterprises. Credit system construction must be based on the economic situation, guaranteed by legislation and ethics. And then it analyzes the internal environment of the small & medium enterprises. According to it, the writer points out the particularity of credit system construction in small & medium enterprises. From the angle of credit management, the fourth chapter expatiates the concrete contents of credit system construction in small & medium enterprises. It is investigating system, estimating system, supervising system and internal credit management in small & medium enterprises. Chapter five inquires the credit guarantee system that is practiced in our country's small & medium enterprises, analyzes its present condition and existent problems. It put forward a series of solutions and measure. Chapter six analyzes the function of government and other organizations and sections in the development of credit system construction in small & medium enterprises.