The Research On The Problem Of Credit Financing System For Small And Micro Enterprises

According to the ministry data shows, at present our country Small and micro businessesto number more than10000000, accounting for95.8%of the total number of enterprises.Small and micro businesses more than60%of China’s GDP contribution, the contribution ofthe tax rate of50%, and created70%innovations, the urban employment accounted for80%of total employment. This shows that, Small and micro businesses play an important role inthe economic development in china. However, deficiency of credit financing Small and microbusinesses restricted the development of Small and micro businesses, and one of the leadingcauses of lack of credit financing Small and micro businesses in China is Small and microbusinesses credit financing system is not perfect. Therefore, this paper will be in the study ofChina’s micro credit financing system to business problems, puts forward the systemimprovements, support our Small and micro businesses development.In this paper, through the analysis of the Small and micro businesses of credit financingand credit financing insufficient reasons, summed up China’s current credit financing systemis not perfect is the important factor of restricting Small and micro businesses the creditfinancing, and learn from Japan and America support credit financing system Small and microbusinesses experience, put forward to adjust Small and micro businesses credit financingstructure, financial organization system perfect Small and micro businesses credit risk controlsystem, pricing system, credit financing Small and micro businesses to perfect the system ofthe disposal of bad loans Small and micro businesses and so on.