Discussion On Some Problems Of Small And Medium Enterprises Credit

Nowadays, the small and medium-sized enterprise can better adapt to the changes of thesociety and the consumer demand, based on its characters of flexible operation and low costetc. The small and medium-sized enterprise plays an important role in the social development,and it has vital significance for the economic development. Our country at present is in thespecial period, it is switching from planned economy to market economy, from closedeconomy to open economy. Building up perfect credit system is not only the fundamentalpremise of developing the market economy, but also the necessary permits to enter theinternational market. As one of the most important intangible assets, enterprise credit is thesoul of enterprise development; and it plays crucial part in the enterprise operation. Since thetime of China’s reform and opening-up is not long, and the capital market started relativelylate, small and medium-sized enterprise has had a big problem in the aspect of credit duringthe rapid economic development. The huge phenomena of losing and violating credit, such asfinancial fraud, breach of contract, the production of the fake and shoddy goods, and defaultof obligation, have seriously affected the healthy development of our economy. How toeffectively deal with the problem of losing credit has become the focus of attention. Therefore,it has been the pressing task to concern the credit status of the small and medium-sizedenterprise, accelerate its credit system, and strengthen the credit management of enterprises.Although the small and medium-sized enterprise credit has its own small size, weakstrength and some other reasons, the lack of relevant effective institutional constricts is itssource. Since the problem of enterprise credit management has affected the development ofthe small and medium-sized enterprise, establishing and improving the credit managementmechanism is one of efficient ways to solve its development difficulty. Therefore, the activeresearch into the problem of the small and medium-sized enterprise credit can restrain thesmall and medium-sized enterprise behavior, enhance the level of credit management andcredit risk prevention, strengthen competition ability, and maintain the order of market etc.This paper analyses the enterprise credit loss as well as harm, and explores the creditconstruction and management, enterprise risk control, and then puts forward some relatedcountermeasures.