Under The Rule Of Law To Solve The Problem Of Small And Medium-sized Enterprise Financing Difficult Path Selection

Development of small and medium-sized enterprises in our country since reform and opening up can be scored remarkable achievements, become a backbone of social and economic development in our country, the latest statistics, the number of small and medium-sized enterprises in our country has reached nearly50million households, accounting for than99%of the total number of companies in the nation, for our country contributed60%of the total economy, pay nearly50%of tax revenue, provides80%of the jobs, product exports accounted for68%. With the continuous development of economy and policy of pratt&whitney, small and medium-sized enterprise’s contribution to the social and economic development in China will rise further. But the development of small and medium-sized enterprises also Fried is plagued by many complex factors, among them, the financing problem as the primary factor has become the key to growth and development of small and medium enterprises, most small and medium-sized enterprises from birth is faced with financing difficulties, on the one hand is due to the defect of small and medium-sized enterprise own development, poor credit consciousness, backward management methods, such as information asymmetry problems, existing in the traditional financial institutions, such as commercial bank for small and medium-sized enterprises to provide financial support will be very rejection; On the other hand, promote the development of small and medium-sized enterprises in our country and the financing of the legal system is not sound, lead to small and medium-sized enterprise financing legal environment also has certain problem, because the head of the absence of laws and regulations, has been introduced for coordination problems between legal norms and long-term development of small and medium-sized enterprise financing is not guaranteed. Financing difficulties of small and medium-sized enterprises as a bottleneck restricting the development of small and medium-sized enterprises, both in academic and practical circles in recent years in focus and attention, a large number of small and medium-sized enterprise financing difficult problem exist in addition to the domestic research literature, the government began to frequent attention in recent years, the third plenary session of the18explicitly put forward:to increase the financial sector internal opening to the outside world, access to have private capital into the financial services sector in accordance with legal procedures established small and medium-sized commercial Banks, to make up for parts of our country small and medium-sized enterprise financial services problems such as resource shortage, this fully shows that small and medium-sized enterprise financing difficult problem has been officially put on solving level.In this paper, from two different ways of financing for small businesses to obtain, for small and medium-sized enterprise financing difficulties and problems that exist in the process of the list, and the legal reasons of financing difficulties has carried on the deep analysis and other reasons, to solve the financing difficulties of small and medium-sized enterprises abroad when taken by the excellent combination of experience and the actual situation in our country under the rule of law, explore solve the financing difficulties of small and medium-sized enterprises in our country under the rule of law path choice, more in-depth study of the current our country small and medium-sized enterprise financing difficulties.The thesis is divided into four chapters. The first chapter:introduction to small and medium-sized enterprise financing part of small and medium-sized enterprises in China simply defining the category, classification, development situation and the existing economic system under general form of financing of small and medium-sized enterprises prevue; First chapter2:small and medium-sized enterprise financing difficult analysis is divided into sections under the traditional financial and private financial mode of small and medium-sized enterprises financing channels, the difficult problems facing the detailed list, and through the three or four section against it in two different financing mode faces the difficult problem of law and other reasons analyzed; The third chapter:small and medium-sized enterprise financing abroad experience and enlightenment of rule of law, the first section, respectively, to the United States, Japan, Germany, the three countries to be adopted in the small and medium-sized enterprise financing of the experience from the legal system, rule of law guarantee mechanism, regulation system, information service and so on in detail, mainly in the second quarter of the country small and medium-sized enterprise financing difficult problem solving experience combined with the actual situation in our country under the rule of law should be how to do this article talked about the some Suggestions; The fourth chapter: to speed up the legal system of financial innovation, solve the financing difficulties of small and medium-sized enterprises is the core part of this paper, from the construction of legal system of small and medium-sized enterprise financing the specification of the system, to strengthen the construction of small and medium-sized enterprises credit guarantee system, and speed up the standardization development of folk financing for small and medium-sized enterprise financing under the mode of traditional financial and private financial difficulties and problems in selecting legal ways to solve the problem, including the modification of the commercial bank law ","security law" and perfect the credit management regulations and to develop the small and medium-sized enterprise folk financing law, coordination of the existing provisions of small and medium-sized enterprise folk financing law relationship, and puts forward through the law guarantees for small and medium-sized enterprise information sharing mechanism and further to the existing regulatory mechanism.This paper from theory and practice a targeted to our country small and medium-sized enterprise financing difficult problem put forward the advice and path selection rule by law, has important theoretical significance and practical significance.