| The group of small and medium-sized enterprises continues to grow,playing an indispensable role in promoting the sustained and healthy development of the national economy.For a long time,the development of small and medium-sized enterprises has been restricted due to various reasons,including the economic structure of the ownership system and the development of enterprises themselves,especially in the lack of development funds and financing difficulties.Due to the immaturity of the capital market,the difficulty in approving bank loans,the turbulence of the private loan market,and the lack of corporate lending capacity,it is difficult to effectively solve the problem of financing difficulties for SMEs in the short term.In recent years,the development of SMEs has attracted national attention.A series of regulations have been issued and documents have been issued one after another.Various provinces have also established SME development funds and conducted useful research to encourage guarantors to serve SMEs.However,compared with the various measures adopted by developed countries to support the legal system of SME financing by pledge of accounts receivable,my country’s system is relatively lacking,and there are many advanced experiences that we can learn from.Solving the inherent financial difficulties also benefits financial institutions engaged in mortgage movable property business.However,as a new financing model,the pledge financing of accounts receivable also has risks that need to be resolved in the process of continuous development,The pledge of accounts receivable has been stipulated as early as abroad,and the laws and regulations are relatively systematic.In2007,my country’s "Property Law" and "Guarantee Law" established corresponding regulations.The People’s Bank of China issued the "Pledge Registration of Accounts Receivable" in 2015.Measures(Draft for Comment)” and then solve many of the problems.The recently promulgated Civil Code has made some amendments to the Guarantee Law and its corresponding amendments.On the basis of introducing the current status of SMEs’ accounts receivable financing.The characteristics of its causes and risks are based on the basis of legal theory,starting from the reality,integrating existing resources from the legal point of view,and exploring effective financing channels,analyzing and researching the financing of small and medium-sized enterprises in my country to effectively improve financing Channels and scale. |
