A Legal Analysis Of The Financing Problem Of Small And Medium - Sized Enterprises In China

From China’s current situation, the role of SMEs’ contribution to the national economy has been unanimously affirmed. SMEs in the three decades of reform and opening up has also been a lot of development, however, a shortage of funds, the financing difficulties still block stumbling block in front of SMEs, a serious impediment to the development of SMEs. SMEs want to get better and faster development, improve the financing environment, smooth financing channels is the key. Although the Chinese government has all sorts of efforts to optimize the financing environment for SMEs, with some success, but some of the problems caused by financing difficulties of SMEs have not been fundamentally resolved from a legal perspective. Therefore, how to ease the financing difficulties of SMEs in China, how to resist the impact of the financial crisis on China’s national economy, the problem of the two levels makes the legal environment for SME financing all-round, multi-level analysis and explore has a very important academic value and practical significance.The United States has a lot of experience in SME financing worth learning, it is not only to develop a series of institutional measures to support SME financing, but also by vigorously develop the capital market, expand direct financing channels for SMEs, to reduce the over-reliance on credit financing in order to ease the problem of credit facilities for SMEs pressure, maximum solution for SME development process the funding gap faced.In view of this, we solve the problem of credit facilities for SMEs, one, improve the legal system for the financing of SMEs; Second, the legal norms of SME financing platform. By two large directional move, further development and improve the system of financial institutions in China; further promote the construction of multi-level capital market; further establish and improve the credit guarantee system for SMEs; guide and regulate the development of non-formal financial; SMEs must improve their own building five aspects. Third, our innovative financing channels for SMEs. The financing issue is resolved, hoping to make the small and medium enterprises (SMEs) to alleviate the current contradictions.