Research On Chattel Mortgage Financing Of SMEs

The healthy development of small and medium-sized enterprises is very important for the development of economy in China. But small and medium-sized enterprises financing problem has existed, and become one of the major confinement factors affected on its development. For many small and medium-sized enterprises, to find the proper collateral or guarantor in financing is difficult. The chattel mortgage financing is a better way to solve the financing problem of enterprises, especially small and medium-sized enterprises.Starting with the chattel mortgage financing related concepts and related theories, taking Fuzhou as an example, this article analyses the current situation, characteristics and existing problems of small and medium-sized enterprises chattel mortgage financing. The paper analyses the law about chattel mortgage, market credit environment, small and medium-sized enterprises management, and other factors, which restricted the development of chattel mortgage financing. And learn from development experience of foreign chattel mortgage system, From perfect the law about chattel mortgage, unified chattel mortgage system, policy support, strengthen the construction of credit environment, to improve enterprise management level, the paper gives suggestions to promote the development of small and medium-sized enterprises chattel mortage financing in our country.