Our Country Small And Medium-sized Enterprise Accounts Receivable Financing Mode And Scheme

The development of SMEs related to the trend of national economic development, social stability and unity. In recent years, with the formation of global economic integration, more and more SMEs to participate in the collaboration and division of labor, trying to get in the rapid development of economic tide rising. Enterprise development is inseparable from the demand for capital; the development of SMEs can’t do without the demand for capital. As a scarce resource, capital is not readily available. This regard with the China’s financial system, but on the other hand, the lack of available mortgage collateral is inextricably linked with SME management, local low-risk ability.As a new means of financing, accounts receivable financing, has entered the field of vision of the SME. Accounts receivable financing is not the size of the enterprise as the only standard to measure whether a company with loan qualification, the main concern is to provide the quality of accounts receivable. Visible to the accounts receivable as collateral financing reduces the threshold of corporate finance, broaden the financing channels for enterprises.From the perspective of the chattels, found ways and means to solve the financing problem, and through these ways and means to actively explore how to play an accounts receivable financing in the case of lack of legal collateral to legitimate financing innovation, to make up for China’s financial agencies to focus only on the defects of the real estate finance for SMEs, not only to a certain extent to solve the problem of financing for SMEs, innovative financing of commercial banks and new exploration.Chapters divided into six parts:Part I introduces the background of the topics, review of the literature on SME financing; The second part introduces the theory of SME financing, the main mode of financing of SMEs and its financing situation and analyze different financing models; third part introduces the history and development and historical evolution of the world movable legislation, and of movables security legislation to analyze the situation; fourth part mainly carried out by debtors study and comparison of the mode of financing, and accounts receivable registration publicity system, principles, and the explanation; Part V XX company in accounts receivable financing model to explore the implementation of the program. Description; Part VI is the conclusion; the main limitations of our accounts receivable financing are described.