Research On The Legal Problems Of Financing Small And Micro Enterprises

Small and micro businesses is an integral part of China’s economic and socialdevelopment, it plays an important role in maintaining social stability and promotingeconomic development. The development of small and micro businesses is a nationaleconomic development of the vane, but as this as an important part of the nationaleconomy of small and micro businesses group, in the development process encounteredfinancing problems insurmountable. Because of small and micro businesses operatingability is poor, weak ability to resist risks and other reasons, resulting in the channel is notsmooth, resulting in small and micro businesses financing difficulties, but the imperfectionof legal system is the key to produce the financing problems. Based on the discussion offoreign small and micro businesses financing based on the legal system, combined withChina’s small micro enterprise development reality, puts forward the LawCountermeasures of China’s small and micro businesses financing. This text is dividedinto four parts:The first chapter of small and micro businesses characteristics and economic status.Starting from the concept of micro enterprises, small and micro businesses in small scale,market adaptability, operating a wide range, the innovation ability is not strong, lack offunds, technology, weak financing ability and other characteristics, influence of small andmicro businesses to increase employment, technological innovation, improve the marketeconomic structure etc.The second chapter foreign small and micro businesses financing legal system.Introduction the United States and Japan Small and micro businesses financing legalsystem, sum up its experience, provides the beneficial enlightenment for our country tosolve the financing problem of small and micro businesses.The third chaptert he problems and reasons of China’s small and micro businessesfinancing existing. Lack of endogenous financing, have elaborated our country small andmicro businesses of financial institutions financing threshold is high, the high cost offinancing problems, analysis the main reason lies in the lack of collateral, the product structure is not reasonable and the external financing environment is bad.The fourth chapter consummates our country small and micro businesses financinglegal countermeasures and suggestions. In view of the above problems, the author putforward ideas and suggestions, mainly including the transformation of small and microbusinesses financing mode, construction of small and micro businesses the creditguarantee system for small and micro businesses, credit guarantee law, as well as the smalland micro businesses development to create a good environment.