About Our Country Small And Medium-sized Enterprise To Avoid "Usurious Trap" Countermeasure Research

At present, the main body of the private economy--small and medium-sized enterprisesare becoming an important part of national economy. Small and medium-sized enterpriseshave an irreplaceable role in the employment promotion economy than some large publicownership enterprises. As the private economy small and medium-sized enterprises have longdiscriminated against by the public. Since China’s reform and opening up, especially aftermore than20years the market economy reform goals determined, rapid development of smalland medium-sized enterprises has sprung up. But, this kind of development pattern existsserious potential danger, that is the charge for small and medium-sized enterprises, and theharm has reached an alarming level. The spread of usury phenomenon in small andmedium-sized enterprises is associated with the financial service policy of our country, theconcept of financial services, and the insufficient supply of the overall financial services. Thispaper is in charge of this phenomenon, putting forward the danger on our country’s small andmedium-sized enterprises countermeasures and make suggestions of how to avoid chargehazards effectively.This paper is divided into four parts to research how the small and medium-sizedenterprises effectively evade usury trap threat. The first part mainly introduces the researchpurpose, research methods, as well as the summary induction; The second part focuses on thedangers that the small and medium-sized enterprises facing in China and according to thecharge threat degree, way, divides the fish in troubled waters, for company, ultra high interest,quench thirst and so on four types of hazards; At the same time, this part also analyses theharm of ‘usury’ on small and medium-sized enterprises, the financial order of danger to thesociety, and the social legal system and the threat of social morality and so on; The third partmainly analyses the reasons of the usury trap. Focused on analyzing the financingenvironment, the channel for small and medium-sized enterprises, financial policy on thesmall and medium-sized enterprises in the financial market, and lack of social constraints onusury extreme behavior; The fourth part mainly put forward on the suggestions on how smalland medium-sized enterprises avoid usury trap effectively. Highlight the transformation offinancial policy guidance countermeasures and suggestions; financial supply orientationtransformation countermeasure; how the small and medium-sized enterprises countermeasuresand suggestions of self-discipline, and suggestions on reduce the harm of usury systemarrangement effectively.