Research On Legal Issues Of Financing Of Small And Micro Enterprises In Xinjiang

Small and micro enterprises are an indispensable part of China's economic and social development, which plays an important role in broadening the channels of employment, promoting economic development and maintaining social stability. But all along, the financing problem is a major obstacle to the development and growth of small and micro enterprises, in recent years, the financing problem of small and micro enterprises has attracted much attention.As far as our country is concerned, the legal environment for the financing of different enterprises is not the same. For large and medium-sized enterprises and its own strength, supply of funds for investment and lending object. At the same time, the our country of legal system of direct financing and indirect financing legal system for large and medium sized enterprises financing provides relatively perfect financing legal support. However, for small and micro enterprises, but faced with a different financing legal environment. From their point of view, small and micro enterprises small in scale, lack of valuable against(quality) of the charge of assets is the weak market financing; from the point of view of the external environment, small and micro enterprise financing legal environment is relatively poor, not welcomed by banks and other financial institutions, the credit guarantee system is not perfect, private financing is not protected, the financing of small and micro enterprises legal support system, related laws and regulations scattered. Under the internal and external factors, the financing problems of small and micro enterprises have become increasingly prominent. Urumqi City, the capital of the Xinjiang Uygur Autonomous Region, has its special geographical position. Its own small and micro enterprises are the most intensive, covering all types of small and micro enterprises in the 16 industries, and is representative and typical. I take Urumqi city as the scope of investigation, trying to study the financing problems of small and micro enterprises in Urumqi City, hoping to get effective solutions. Based on these backgrounds, this paper makes a research on the financing difficulties of small and micro enterprises.My paper is divided into five parts:Chapter one: introduction. Background and significance of the research are described, summarized the domestic and foreign related of EH corporate finance literature, and introduces the method and train of thought.The second chapter: the theory of small and micro enterprises. From the concept of micro enterprise, small micro enterprises are in small scale, business scope is wide wait for a characteristic analysis, and then discusses the role of small and micro enterprises, specifically from expanding employment, accelerate market division of labor, and promote social stability etc..The third chapter: through the detailed investigation and study of small and micro enterprises in Urumqi, hope to be able to analyze the situation and causes of small and micro enterprises financing difficulties in Urumqi city through the research data.Chapter four: through legal means of endogenous financing problems of small and micro enterprises in Urumqi City, the problem of the direct financing and indirect financing problems, the key content include from the bank's point of view, small and micro enterprises for their own angle of small and micro enterprises endogenous financing, indirect financing problem in legal analysis; through small and micro financing of private enterprises in non-standard makes a legal analysis on the problem of direct financing small and micro enterprises.Fifth chapter: perfect our country small and micro enterprise financing legal policy suggestion. For small and micro enterprise financing difficult problem, small micro enterprise internal financing, indirect financing and direct financing angle, put forward my thinking and suggestions, including the establishment of small and micro enterprises long-term policy support system, small and micro enterprise credit guarantee legal system and small micro enterprise credit legal system degree, according to standardized folk financing of small and micro businesses etc. measures.