Investigation Report On The Legal Problems Of Indirect Finance Of SMEs In He County

Enterprise financing problems has been the world’s economic problems, there is a certain difference between various regions and trades, the small and medium-sized enterprise financing is the key of the financing problems. At the same time, according to the data showed that more than 90% of the small and medium-sized enterprises in China are in within the scope of the county, the county small and medium enterprises is the pillar of play an important role in local economic development. Small and medium-sized enterprises due to the small scale, low economic benefits, low credit rating, and less effective collateral, relative to small and medium-sized enterprise financing for large state-owned enterprises is harder, eventually affect the small and medium-sized enterprise productive capital turnover and the rational expansion of enterprise scale. Therefore, how to effectively strengthen the possibility of small and medium-sized enterprises to obtain financing, it is particularly important to solve the problem of small and medium-sized enterprise financing.On the choice of small and medium-sized enterprise financing way, as a result of the current situation of the development of small and medium-sized enterprises in our country, as well as the direct financing of enterprise requirements and folk financing market is not standard, so, in the small and medium-sized enterprise financing favours indirect financing way for research, mainly from Banks and other financial institutions and between enterprises financing loans between government and enterprises and policy support. This paper mainly in the form of questionnaire, and county as the research object, the small and medium-sized enterprise in statistical present situation and the main problems in financing link, through data analysis to put forward problems and solve problems. And county in the development of small and medium-sized enterprises at the county level have certain universality, such as the fast development of small and medium-sized enterprises, with local characteristics of industrial structure, diversified ownership structure. At the same time also exist in small and medium-sized enterprise financing single financing channels, financing amount less, service life long, loan is difficult, the cost is higher. Appear this kind of phenomenon is the main reason is that our country present stage and not for the indirect financing of small and medium-sized enterprises to establish perfect policy and law system, make small and medium-sized enterprise management difficult to solve unified specification, at the same time, government departments for small and medium-sized enterprise attention is not high, the enterprise is not connected, the problem such as imperfect government information release; Our country small and medium-sized enterprise widespread financial conditions, financial management is not standard, enterprise lack of effective collateral, resulting in enterprise’s credit rating is low, can not reach the requirements of the bank credit; Bank for small and medium-sized enterprise loan approval, loan approval cycle long, the conditions of examination and approval strictly; Small and medium-sized enterprise financing guarantee loan problem, small and medium enterprises, lack of effective collateral guarantee company guarantee cost is larger, at the same time, the current law on collateral mortgage lack of unified standard, make the small and medium-sized enterprise guarantee ability is insufficient; And, small and medium-sized enterprises rely on bank loan financing is too high, the indirect financing channels for a single, not give full play to other indirect financing channels, that social capital is difficult to get reasonable use.To solve the problem of financing difficulties of small and medium-sized enterprises at the county level, you need to first from the perspective of government, accelerate development of small and medium-sized enterprise management, special legislation to establish a national small and medium-sized enterprise management institutions, give full play to the chamber of commerce association communication function, strengthen the link between government, enterprises, Banks, From the perspective of the bank, is clear about small and medium-sized enterprise financing for examination and approval authority, graded examination and approval procedures, reasonable and effective distribution of bank funds, and improve our existing enterprise credit rating system, establishing local credit rating agencies, improve the small and medium-sized enterprise credit rating; To perfect the legislation on the regulation of chattel mortgage, ensure that small and medium-sized enterprises can provide effective movable collateral, to establish a unified system of chattel mortgage registration, improve the ability of small and medium-sized enterprise mortgage guarantee; At the same time, actively expand the indirect financing channels of small and medium-sized enterprises, build the folk financing legal system, legal safeguard social capital into the finance market. Hope that through the study of related problems and improvement of indirect financing for small and medium-sized enterprise financing problems provide effective advice and help.