Research On Credit Policy Of Small And Medium Enterprises In China

According to a report of the state administration for industry and commerce analysis, by the end of 2013, small micro enterprise in the market main body of registered accounted for 94.15%.Small micro enterprise plays a main role in promoting economic stability in China, the industrial structure adjustment, and technological innovation, expanding employment, etc. Although small micro enterprises largely contributed to the economic development of our country, the financing difficult problem is always problem restricting the development of small enterprises in our country. China’s current total credit isn’t poor, but especially small micro enterprise financing is not easy.Under the "new normal",economy transform from total easing extensive stimulation to total stable structure optimization transformation, the credit policy should also play its role in optimizing the structure,and guide the key credit resources to small micro enterprise. Through perfecting small micro enterprise credit policy, to fundamentally solve small micro enterprise financing difficult, eliminate the barrier restricting the development of small micro enterprises, support small micro enterprise fast development. Support small micro enterprise fast development has the very vital significance, in promoting the sustainable development of economy in our country.On the basis of horizontal comparison between small micro enterprise financin g system abroad and credit model and quantitative analysis of the current situation o f the credit policy of our country, this article analysis of the existing problems, com bine with the experience for reference and put forward reasonable suggestions to per fect the small micro enterprise credit policy by comparative analysis, qualitative and c quantitative analysis, literature induction.From the volume of credit, loan, credit, credit pattern, and so on, the current sm all business credit policy analyses and research. With reference to foreign small busi ness credit policies and modes of operation, namely the establishment of specialized small micro-enterprise management mechanism, strengthen the legal system, the fin ancing system, improve the loan guarantee system, successful experience, combined with our existing credit policy and real conditions of small and micro enterprises put forward specific operational proposals.Including the creation of specialized regulato ry body, tilt key guide credit to small and micro-enterprises, bringing banking servic es to small and micro businesses, accelerating the construction of micro-finance insti tutions, highlighting differences in regulation, improve the credit guarantee system, and perfecting small and micro enterprise credit policies for research and exploratio n.Feature of this article is from the perspective of micro-credit and micro-credit p olicy analysis on credit financing situation of small and micro businesses, through s mall micro-enterprise credit status and problems in the analysis of micro-credit polic y in the implementation of, request new credit financing for small and micro enterpri ses, and feedback to existing micro-credit policies.Summary of United States and Ja pan the successful experience of micro-financial service system, combined with the actual situation in China to learn from. Through macro-level our credit policy adjust ments to support small enterprises, more suitable for small and micro enterprise dev elopment, more focused and applicable credit policies.