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

Small and micro enterprises are to promote the development of national economy of an extremely active force.They not only for economic development have injected fresh blood, but also have played an important role in the promotion of technological innovation, optimize the allocation of resources to ease the employment pressure, promote fair competition, narrow the wealth gap.Small and micro enterprises have a strong cushion the recession and inhibition, is of great significance for the future development of the country.However, as the number of small businesses are more and more getting stronger and the economic position is also becoming stronger, they have cropped up a lot of problems.The most serious problem is financing. Funding is a key lifeline of enterprise development and the key prerequisite for the promotion of business development and growth. Especially for small start-up of micro-enterprises, the shortage of funds to resolve the bottleneck is a priority. Due to the high threshold of direct financing, financing costs are higher than the cost of financing indirect financing.Therefore, China's small and micro enterprises are mainly financed through indirect financing channels. However, due to China's current legal system of indirect financing is not perfect, the laws do not have to create a favorable legal environment for indirect financing of small and micro enterprises and can not be very good for small micro-enterprise financing and development escort. Therefore, at this stage facing small and micro enterprises indirect financing problem, need by improving relevant laws and regulations, to create a fair and efficient indirect financing environment for small and micro enterprises in order to promote the development of small and micro enterprises.To achieve the above purpose, the article first proposed the status of indirect financing of small and micro businesses, points out the plight of the current body of indirect financing small and micro enterprises, and thus the status of small and micro enterprises indirect financing of legal cause analysis, identifying obstacles to small and micro enterprises indirectly legal obstacles financing, mainly from the mortgage system, credit guarantee system, imperfect aspects of legal barriers and credit system of the main sources of funds for lending, pointing out the legal reasons for the difficulties of small and micro enterprises indirect financing, and then put forward relevant laws to improve opinions, solve problems of small and micro enterprises secured by the mortgage, and through the construction of credit system and improve the credit guarantee system in order to ease the crisis of confidence caused by information asymmetry between banks and enterprises, thus alleviating indirect financing of small and micro enterprises the difficulty for the development of small and micro enterprises to clear legal obstacles, and contribute more strength for the economic and social development.