A Study On The Credit Shortage Of Small And Medium Sized Enterprises From The Perspective Of Marx's Credit Theory

As a social concept,social norm and social operation system,credit has a certain social and ideological basis,and its concept also has rich social connotations.In different subjects and culture,there are many different interpretations and assurances.At present,the number of small and medium-sized enterprises in China has exceeded ten thousand,accounting for more than 99% of the total number of enterprises in the country.Small and medium-sized enterprises are playing an increasingly important role in the economic system.It not only promotes the development of national economy,maintains the stability of market economy,but also is the basis of constructing and perfecting our social credit system.Enterprise credit is the core part of social credit system,and due to the large range and quantity,special function,and poor credit level and credit ability of the small and medium-sized enterprises,the credit problem becomes the most important in the construction of the social credit system.The behavior of small and medium-sized enterprises has spread from the field of economic life to various fields of society,endangering the fairness and justice of the whole society,ethics and stability,escaping debts,corruption,local protectionism,fake and shoddy,etc.The phenomenon of breach of faith is full of people's sight,which has seriously developed the economy of our country.How to effectively control the problem of small and medium-sized enterprises' discredit behavior has become a hot issue that goes up to the national leaders to the ordinary people.This paper is based on Marx's credit theory,through reading a large number of domestic and foreign related literature,in-depth exploration and research of credit theory,and in-depth analysis of the current situation and causes of credit deficiency in small and medium-sized enterprises in China.Referring to the research results of different disciplines such as economics,ethics,sociology and so on,from the angle of theory and practice,this paper puts forward some countermeasures and suggestions on the credit deficiency of small and medium-sized enterprises in our country by means of Marx's credit theory.This paper is divided into four parts altogether: the first part is "introduction".It mainly interprets the background and the significance of the research,the current situation of the domestic and foreign scholars' research on the credit theory,The second part,"the theoretical basis of research",mainly explains the concept of small and medium-sized enterprises and the standards defined at home and abroad,the main content of Marx's credit theory,the origin of credit,the connotation of credit.The third part,"research on the lack of credit in small and medium-sized enterprises".This paper summarizes the problem of credit deficit of small and medium-sized enterprises into seven types.The fourth part--The Countermeasures of Credit deficiency in small Enterprises ".Based on Marx's Credit Theory,propose a series of effective countermeasures to solve the problem of credit deficiency of small and medium-sized enterprises at this stage in our country.