The Study Of Small And Medium-sized Enterprise Credit Deficiency In China

At present,our country is in the key period of planned economy to socialist market economy transition,the small and medium-sized enterprises in our country play a crucial role in the process of economic transformation.Small and medium-sized enterprises is not only the important driving force to the growth of national economy,but also powerful guarantees for increasing employment and maintaining social stability,is the healthy and orderly development of China's socialist market economy.In the crucial period of economic transition,the vigorous development of small and medium-sized enterprises continuously at the same time the overall credit conditions are positive,but because our country enterprise credit system construction still exist some shortcomings,there are many small and medium-sized enterprise credit loss problems.Mainly displays in: the fake and shoddy products,enterprises lack of credit,financial information distortion,and labor disputes,etc.Small and medium-sized enterprise credit loss seriously disrupts the market economic order,make the enterprise management environment deteriorated,which affects the survival and development of enterprise itself.However,the issues which affect small and medium-sized enterprise credit system construction in our country and the causes of the lack of enterprise credit are multifaceted.Including many institutional constraints,such as enterprise property rights is not clear,their lack of credit management system within the enterprise,credit legal system is not sound reasons;In addition,there are good faith moral loss and enterprise decision makers behind the credit as the institutional restriction.Therefore,how to perfect the small and medium-sized enterprise credit system construction has become the key to solve the problem of small and medium-sized enterprise credit loss.This paper first analyzes the characteristics and composition of our country small and medium-sized enterprise credit,and further introduces the performance and reasons of the small and medium-sized enterprise credit loss.On the basis of tentatively puts forward the measures to perfect enterprise credit system construction in our country.For small and medium-sized enterprise credit loss phenomenon of measures are put forward,the main focus on enterprise credit system construction and moral construction two aspects.In the aspect of enterprise credit system construction,to reshape effective property rights system,establish enterprise internal credit management system and improve the relevant credit legal system construction;In good faith moral construction,to realize the transformation of society to the modern system of good faith and to the improvement of corporate decision makers and moral cultivation.