Research On The Construction Of SME Credit System

With the economical development, the laws unceasing consummation and the government's support, the small and medium enterprise(SME) has obtained the unprecedented development opportunity, which is the best way of promoting the country economy fast stable growth and realizing the improvement of the standard of living. But the seriousness of credit deficiency in China is always one of reasons of puzzling the SME development. The key fact is that our credit system is under construction with many problems. It leads to having a lack of a system to prove its credit condition and breaking one's word profitable. Therefore, SME credit system the establishment and the consummation appear extremely urgently.It develops rapidly all over the world. Some countries construct advanced SME credit system. In China, it has a large number of improvement of SME credit information environment with maturing and expanding of the market day by day. However, the information transparency is not still high. Through the normative research, aiming at the credit deficiency status in China this article point out that it is the best approach to solve it by setting up the credit investigation system. Based analysis on the development of the SME credit system of domestic and overseas, we should take measures to establish the SME credit system with omni-directional, multistage and suitable the situation of our country.