Research On Credit Supervision Of Small And Medium-Sized Enterprises In Pingtan Comprehensive Experimental Area

As commercial registration system reform and the sustained opening and developing development in pingtan comprehensive experimental area,more and more small and medium-sized enterprises settle in pingtan comprehensive experimental area,which gradually become the main power of regional economic development.Small and medium-sized enterprises with the emergence of problems such as lacking of credit in the market economic activities,which limit their own development and are not conducive to the construction of a fair and orderly economic environment in pingtan comprehensive experimental area.The third plenary session of the 18th central committee of the CPC has made clear the requirement for further streamlining administration and delegating power.It is necessary to strengthen the credit supervision of small and medium-sized enterprises with the easy entering and stirict supervision to promote widely starting up business and innovation.In order to promote the healthy development of small and medium-sized enterprises,this paper analyzes the effect and influence of lacking of credit such as the irregularity action in Management behavior,violation of consumer rights and interests,contract violation and debt default,discussing the important significance of strenghtening the supervision of the credit for the development of small and medium-sized enterprises,commercial registration system reform and the healthy development of the socialist market economic order under the theoretical guidance of govement suspervision and information economics.And on the basis of investigation in small and medium-sized enterprises,analysis of present situation and effect of credit regulation,discussion about credit insufficient regulation problem and the reasons of legislative blank,personel quality and the lack of advertising from the multiaspects of legal standard,department interests,enterprises themselves,department own internal and social governance,also lessons from foreign enterprise credit supervision experience,we furtherly put forward policy proposals in improvement of credit supervision on small and medium-sized enterprises through legislative credit supervition and detailed operation rules such as uniforming working stardard,strenghtening the cooperation of departments,enriching the power of grassroots and deopenning the information mining,at the same time,strenghtening the credit publicity and brand buinding,cultivating and developing the third-party organization to participate in the credit supervition.