Research On The Legal Issues Of Informal Financing Of Small And Micro Enterprises

At present,national policy support to the development of small and micro enterprises to create the conditions.Small and micro enterprises in the creation of considerable social wealth but also ease the pressure on social employment,to maintain social harmony and stability played a crucial role.But in recent years,the development of small and micro enterprises in the process of problems can not be ignored.Although there are a variety of financing channels to choose from,but the financing problem of small and micro enterprises has not been substantial solution.Therefore,for small and micro enterprises not only private financing policy support,but also continue to improve legislation,strengthen supervision and improve the credit system.There are two types of research methods in this paper.The first is to study the relevant literature,to clarify the relevant concepts,and to have a preliminary understanding of the experience of other countries.Then through the analysis of relevant data,combined with the academic achievements of other people,this paper analyzes the reasons for the problems of the small and micro enterprises in our country.In this paper,through the use of foreign mature theory and practical experience,combined with China's national conditions and the existing legal system,put forward the proposal to improve the legal system of private financing of small and micro enterprises:First,constantly improve the Small and micro businesses of folk financing and related law,the Small and micro businesses can go private financing.The most important thing is to amend the "SME Promotion Law" to improve the work,to join in the detailed rules for the implementation of specific operational method in detail,the establishment of market access and exit system of the financing of such enterprises,the capital market to a virtuous cycle.Then through a reasonable breakdown of private lending rates,to avoid the "one size fits all" adjustment model,so that small and micro enterprises more market-oriented private financing.Also from the policy to provide a platform for all types of private financing platform for small and micro enterprises to create private financing policy conditions.Secondly,we need to strengthen the supervision of small and micro enterprises private financing.Clear supervision and management of the main body of private financing is the prerequisite for the implementation of supervision.By improving the supervision and management of small and micro enterprises private financing technology,small and micro enterprises to develop private finance regulatory personnel to strengthen risk prevention and control capabilities.The establishment of small and micro enterprises private financing industry associations,to guide the healthy competition in the industry,and promote the improvement of the internal control system of the industry,the trade associations to play a leading role in the supervision and guidance of such enterprises.Finally,establish and perfect such enterprises in the private financing of credit guarantee system,perfecting the mechanism of punishment,to strengthen the enterprise's financial position and operating conditions of the strong information disclosure,but also pay attention to the protection of business secrets,such enterprises take measures to crack the problem of folk financing and dilemma.