The Research On The Legal Issue Of Rural Small Micro Enterprise Guarantee Financing

Small micro enterprises plays an important role in promoting economic development and employment.But the financing difficulties restricts the development of small micro enterprise. The information asymmetry is an important reason while guarantee can solve the problem, but rural small micro enterprises lack security. This article obtains from small micro enterprise financing difficulties for rural small micro enterprise financing problems, through the improvement of the legal system, for the rural small micro enterprises to create a good financing environment, finally able to ease rural small micro enterprise financing difficult problems. Throughout the research, to solve the small micro enterprise financing difficulties to provide theoretical support, and applied in practice to solve the problem of small micro enterprise financing difficulties, which is the purpose and meaning of this study.This tranin of thought of this essay is to find the problem and analyze the problem and then solve the problem.Through the combination of empirical analysis and normative analysis method, Studying rural small micro enterprise guarantee financing legal issues from the following three parts:The first chapter is the present situation and the problems of guarantee rural small micro enterprise financing. This chapter firstly introduces the present situation the small micro enterprise financing, mainly includes the internal accumulation, Banks and other financial institutions, capital market and folk finance, and then analyzes the rural small micro enterprise in secured financing problems, mainly are the lack of credit environment, the lack of effective collateral and three kiands of the credit guarantee.The second chapter is the cause of rural small micro enterprise financing difficulty. First of all, the small micro enterprise financing from the economics analysis of reasons, including information asymmetry, Banks and other financial institutions are reluctant to loans to rural small micro enterprise, followed by the weak rural small micro enterprise own quality, mainly agricultural production cycle is long, greatly influenced by natural conditions and low returns on investment in agriculture; Rural small micro enterprise management is not standard, low credibility.The third chapter is the empirical analysis of rural small micro enterprise guarantee financing. Firstly analyzing the property guarantee financing problems, mainly including: the present situation practice and experience of property secured financing, the experience, point out the problems of property secured financing. Secondly analyze the credit guarantee financing problems, mainly including: the pattern of credit guarantee, the exploration and evaluation of credit guarantee. With a declaration of these two problems, finding out the problem of guarantee financing in law in our country.The fourth chapter is the law perfection of rural small micro enterprise guarantee financing. Aiming at the problem of guarantee financing in law, puts forward the legal countermeasures of rural small micro enterprise financing obstacles,mainly about the establishment and improvement of the legal system. In the aspect of property secured financing, expand the scope of the guarantee to perfect the related system, make the rural small micro enterprise has property to hypothecate. In terms of the credit guarantee, constructing special guarantee legal system, and to strengthen the risk control of the credit guarantee.The author believes that through establishing and perfecting the legal system of the guarantee, can create a good legal environment for small micro enterprise financing and solve the problem of some rural small micro enterprise financing difficulties and it is feasible. But small micro enterprise financing difficulty is a complicated problem, the perfection of legal system is just the tip of the iceberg, need to be perfected from all aspects.