Study On Credit Lake Of Small And Medium-Sized Enterprises And Countercheck System

The active degree of the small and medium-sized enterprises (SME) symbolizes the size of the market economy vitality of a nation or region. Although the SME becomes more and more important in our national economy, Especially in these fields such as: creating the employment opportunities, enhancing industry competition and innovating techniques and management, their important functions cause extensive concerning and interest of the world. But the high contribution rate can't indicate high running efficiency. In recent years, the anti-economy credit of SME has broken out frequently. At the same time, the exterior reputation environment becomes worse continuously, which results in the waste of the social resources and influence national image and competition of our enterprise. More importantly, credit lack of SME causes the financing difficult, slow transformation of management mechanism and the difficulty of opening up market. Thus, these cause the SME which is hard to do greatly and strongly. Therefore, In a sense, the SME exits in larger dependence than Major enterprise about the credit management.The credit is the foundation of all economic activities and the major problem related to the market economy quality. "Good faith" meets with destruction; this is the disharmony sound of market economic system. So, it is very important that we find out the root cause of credit lack of SME and establish credit system of SME which is suitable to our country's condition.Firstly, this paper expounds the characters of SME and the contents of enterprise credit system. It also introduces Marxist credit theory, contracts theory, information nonsymmetrical theory and game theory etc. These are intended to offer theory foundation for research.Secondly, the paper has analyzed the performance of credit lack of our SME from the commercial credit, the production credit, the financing credit and the financial credit four aspects. The credit lack of SME not; only causes great hazards for macro economy, but also restrict the development of SME; Then, Using related theory on the system economic, the paper takes apart the depth reasons for credit lack of SME from the enterprise credit consciousness, the enterprise internal management mechanism, the external bracing system, the government behavior four aspects. This provides the powerful basis for constructing the credit system of SME. Then, the paper introduces three kinds of credit system of the developed country and summarizes the experience, on this foundation, in...