Research On The Improvement Of The Financial Support Legal System For Small And Micro Enterprises In China

Small and micro enterprises is an important part of China's economic and social development,the contribution of the whole economy and society plays an irreplaceable role of large and medium-sized enterprises.From the experience of developed countries,the development of small and micro enterprises will inevitably promote the economic prosperity of the whole country.According to statistics,the number of small and micro enterprises in the United States is about 20 million,accounting for more than 90% of the total number of US companies,the contribution of the whole society more than 50%,it is half of the US GDP.In China from the reform and opening up,private economy continued to liberalize,small micro-enterprises on the country's economic contribution is more and more important.Government at all levels have gradually become the development of small and micro enterprises as their own responsibility,Premier Li Keqiang in the Davos Forum and the two sessions of the work report twice put forward to promote the "public entrepreneurship,innovation" strategy,and then for small and medium enterprises Provides an important opportunity.According to the State Administration for Industry and commerce,in the case of individual industrial and commercial households,the number of small and micro enterprises in China about 7000,about 1400 small and micro enterprises.From the State Administration for Industry and Commerce announced in 2014 the "national small micro enterprise development report" can be obtained by following a set of data: the number of Small and micro businesses accounted for about 76.57% of the number of all types of enterprises,accounting for enterprises to absorb more than the number of new jobs in 70%,the value of wealth creation is the GDP 60%,accounted for the entire tax share in 50%.Thus,small and micro enterprises have become an important force in China's economic development.Small and micro enterprises subject to the development of their own,in the financing problem has always been at a disadvantage,financing difficulties,financing is always the bottleneck of the development of small and micro enterprises.This paper first analyzes the basic characteristics of China's small and micro enterprises,and then with reference to the experience of the development of small and micro enterprises in the United States,Japan and germany.China's current small micro-enterprise financial support legal system there are certain problems,especially in small micro-enterprise financial support legislation system and small micro-enterprise financial support system is not perfect,specifically embodies the "SME Promotion Law" on the definition of small and micro enterprises The lack of standards,the lack of the provisions of the principle,the lack of financial products system for small and micro enterprises,the lack of financial support rights system and the ineffectiveness of incentive and restraint mechanisms.Based on the shortcomings or problems found,this paper puts forward the perfection of small and micro enterprise financial support legislation system,which is based on the perfection of the development law of small micro enterprise,the perfection of commercial insurance bank legislation,the perfection of policy insurance legislation and the perfection of direct financing legislation.The other party from the construction of small and micro enterprises for the financial system,the right to protect the system,incentive and restraint mechanisms,regulatory systems and related supporting the development of the development mechanism,improve the small micro-enterprise financial support system.Small and micro enterprises financial support legal system and system at the same time the construction and common role in promoting small and micro enterprises financial support to improve the legal system to help small micro-enterprise financing.