The Research On The Credit System To Serve The Financing Of Small And Medium Enterprises In Changsha

Small and medium-sized enterprises,as the basic force to promote the development of market economy and social stability under the new situation,play a crucial role in ensuring the growth of regional economic strength,alleviating employment pressure and optimizing social production structure.However,constrained by their own lack of credit and other conditions,resulting in financing difficulties,financing problems highlighted,urgently need to find solutions.Therefore,it is vital to establish and improve Changsha's credit system to provide a sound financing environment for Small and medium-sized enterprises.This paper starts from the definition of Small and medium-sized enterprises and its important position in China's economic growth.It takes the theory of enterprise financial life cycle,the theory of preferential financing order,the theory of information asymmetry and signal transmission as the theoretical basis for studying the credit system to solve the financing difficulties of Small and medium-sized enterprises.Based on the in-depth researches of the development environment and financing status of Small and mediumsized enterprises in Changsha City,this paper analyzes the problems existing in the financing of Small and medium-sized enterprises in the credit system from the aspects of credit information platform construction,credit intermediate agencies development and financial resources allocation.Then,according to the actual development of Changsha's credit system,efforts are made to explore the financing development path that suits the local conditions of Changsha.It is proposed to build a financing credit information platform for Small and medium-sized enterprises,promote the development of credit intermediate agencies,broaden indirect financing channels,open up non-governmental financing channels and other paths,so as to make the credit system better to serve and help Small and medium-sized enterprises.To effectively solve the financing problems of Small and medium-sized enterprises,the guidance and support of the government are also crucial.Only by strengthening government leadership,establishing and improving credit laws and regulations,promoting the publicity of government affair information,optimizing the social credit culture environment,strengthening the construction of credit practitioners,and fully supporting the financing and development of Small and medium-sized enterprises,can the financing problems of Small and medium-sized enterprises be solved more efficiently and qualitatively.