Study On Legal Issues Of Risk Prevention Of Private Bill Financing In Small And Medium-sized Enterprises

In recent years,in the financial field of our country,the rapid development of bill business has attracted people's attention,and the bank acceptance bill is also hot in the bill financing market.At the same time,small and medium-sized enterprises,affected by Banks' "reluctance to lend",have turned to private discount financing one after another,and even gave birth to intermediaries and professionals specializing in bill trading.However,the bill law and other laws restrict the bill circulation through the "real trade background",which makes the bank acceptance bill stand out in the discount market.Due to the requirements of franchise qualification,private bill financing was blocked out of formal finance.This paper starts from the actual problems of the mainland of China's private bill discount,and combines the experience of bill legislation in Taiwan and other countries to analyze the legal risks of the mainland of China's private bill financing,and puts forward some Suggestions to prevent risks,so as to regulate the development of private bill financing.This paper is divided into five chapters.The first chapter starts with the background of this paper,introduces the domestic and foreign research status of private bill financing,and plans the main structure of this paper.The second chapter elaborated our country small and medium-sized enterprise folk bill financing system.This paper compares the differences between regular bank bill discount and folk bill discount from the perspectives of participants,processes and types,and summarizes the definition and connotation of folk bill discount.The third chapter discusses the legal problems and risks caused by the private bill financing of small and medium-sized enterprises in China.The fourth chapter mainly introduces the financial instrument system of developed countries(regions)and summarizes the main contents and potential risks of the financial instrument system.On the basis of the above research,the fifth chapter puts forward some legal Suggestions on how to prevent the discount risks of private bills for small and medium-sized enterprises in China.In order to prevent the risks of the private bill discount market,first,the relevant provisions of the bill law should be amended,and the legislation should define the act of accepting and selling acceptance bills,so as to defuse the risks of legal sanctions on private bill financing due to its non-legality.To improve the openness of the bill market,introduce qualified market participants,and prevent the risk of prohibition of the private bill market;We will strengthen supervision of the private bill financing market,bring private bill financing into the scope of state supervision,guard against the risks of banning the private bill financing market,raise the awareness of the risks of private bill financing for small and medium-sized enterprises,and guard against the pitfalls of the private bill financing market.