Analysis The Building Problems For The Credit System Of Small And Medium-sized Enterprise

Since reform and opening up, our medium and smaller companies grow very fast withthe support of our government, and make some achievements, which make medium andsmaller companies become vital force in the progress of our social and economydevelopment.Meanwhile, in the progress of development, medium and smaller companies alsoencounter a lot of problems, especially due to the imperfections of the credit system, enablingmedium and smaller companies in terms of integrity so that there was a series of problems.For example, the weakness of the awareness concept for the credit medium and smallercompanies, the lack of effective punishment mechanism for medium and smaller companiesdishonesty, the lack of support institutions for the development of the credit medium andsmaller companies, the imperfect of the laws and regulations for the credit of medium andsmaller companies, which affects and restricts the further development for the medium andsmaller companies. And the influencing factors of the credit medium and smaller companiesin our country are multi-faceted, including the institutional basis of the corporate credit, themechanism of the corporate dishonesty punishment, the construction of credit serviceorganizations for medium and smaller companies, and the credit system of laws andregulations for medium and smaller companies. Therefore, how to improve the credit systemfor medium and smaller companies is the key point of solve the problem which constraint thetheir development.First of all, this passage make the meaning and function of medium and smallercompanies credit system clear, and with the theory guide of Marx’s credit theory, do theresearch to the establishment and development of our medium and smaller companies, makeanalysis to the problems and reasons existing in the progress of the establishment of ourmedium and smaller companies credit system, try to make some measurements to improve our medium and smaller companies credit system: establish medium and smaller companiescredit system, improve the establishment of punishment because of medium and smallercompanies crack credit, improve the establishment of medium and smaller companies creditassociation system, improve the establishment of medium and smaller companies law system.