The Legal Analysis Of The Finacing Problem Of Small And Medium-Sized Enterprises In China

Small and medium-sized enterprises plays a mainstay role in each country's economic development, but also the important foundation of our national economy, have far-reaching effects even on Chinese economic and social development, related to the adjustment of economic structure, improve the national employment levels and the transformation of economic development mode. But because of the small and medium-sized enterprise own business operation is small in scale, benefit is not stable and financing legal environment is poor and many other reasons, led to the financing, financing your. Therefore, in-depth study of the legal environment to the financing of small and medium-sized enterprises, the use of legal means to guide, regulate the small and medium-sized enterprise financing activities, prompted the development of better and faster, have important realistic meaning.This paper first learned about other countries about the legal provisions of standard definition of small and medium-sized enterprises, especially small and medium-sized enterprises of our country defined standards, and the latest revision of the "small and medium-sized enterprise stroke type standard" and the principles delineated, and specific analysis of the definition of standard impact on financing policy, at the same time specific induces endogenous financing and foreign financing way. The legal analysis of present status of Chinese SME financing, financing expensive, and from the legal angle analysis of the legal difficulties and obstacles to financing way behind, focuses on the indirect financing and direct financing mode in the market access threshold high, single financing channel and other aspects of the current situation and deficiency of legislation. On indirect financing from the angles of the bank and the enterprise financing issue of discussed specific analysis; to direct financing from the folk financing, equity financing, bond financing risk investment, the perspective of the specific analysis and discussion. At the same time, through the use of comparative law on USA, Japan, Germany in the financing of SMEs in the construction of legal system, organization setting, guarantee system and other aspects of the advanced experience of reference and comparison, the aim is to find the dilemma of our country small and medium-sized enterprise financing solution. Finally, combined with the legal analysis on the financing problem of small and medium-sized enterprises of our country and on the relevant legal experience of the system, a detailed exploration on perfecting the financing problem of our country small and medium-sized enterprise related legal mechanism, and the specific mode of financing are analyzed, in order to standardize the small and medium-sized enterprise financing environment, broaden the financing of small and medium-sized enterprises channels, improve the financing difficulties of small and medium enterprises.