The Study Of The Issue Of The Small And Medium-sized Enterprises Financing Through Banks

In the operation and development of the whole national economy,minor enterprises are the most active economic organizations,which receive employments most widely. In the process of developed at top speed of socialist market economy,with flexible machine processed and dogged vitality.it made a remarkable contribution towards satisfying the needs of the people,raising the social employment,achieving economic growth and exporting expansion.But,as a rising developing country,in the economic resources location,the characteristics of labour intensive,relative surplus and capital scarcity make it reveal challenging energy,also show up serious area differentiation,differences between industries and the environmental differences appearing step by step in the grocess of stepping in the market economy.According to China’s basic conditions, credit facility of financial institions is the main way for the minor enterprises to solve the financing difficulty.This article chooses the topic,takes the main part of minor enterprise’s credit facility as the breakthrough point,analyses deeply the operational barrier and legal blank space when the financial institutions are supporting the credit financing of the minor enterprises.It looks forward to solving financing difficulty of minor enterprises and providing some new thoughts.On the basis of summarizing the minor enterprises and analyzing the current situation and problems of credit financing with the international inspection and experience reference,which comes from representative countries.By analysising the actual situation of minor enterprises’credit facility when available,the writer gives out some suggestions about standarding the subject of credit financing and laws by analyzing the practical situations:1. Suggest drawing up the special《redit guarantee Law for Small and medium-sized enterprises》,and give out some specific rules to aim at the capital source,funding compensate mechanism and a risk prevention and risk-sharing mechanism,the guarantee period and variety and multiple of enlarging funds of the credit guaranty institution.2.Bring out making up multi-level banking systems from three ways.The first is changing the department setup,in which the commercial bank is serving the minor enterprises.The second is vigorously support the local money corporation.The last one is establishing policy banks.The purposes are satisfying the credit facility of minor enterprises and assisting further develop of the minor enterprises.