Study On Legal Problems Of Finance Credit Financing Model

On August 15,2013,Jiangxi Provincial Department of Finance and Jiangxi Gongxianwei,Industrial Park Administrative Committee and Bank signed the Framework Agreement on Tripartite Cooperation of Finance Credit Link and formally signed the financing mode cooperation of "Finance Credit Link" protocol.This model to the financial stock funds for margin,leveraging bank loans to help solve the Industrial Park,small and medium enterprises,the problem of liquidity loans difficult for the country’s first.Nowadays,after more than three years of operation,the model of financing through credit has become more and more mature,making it a more reliable financing channel for SMEs.The credit has been fully rolled out across the province.According to the provisions of the Guarantee Law,state organs shall not act as a guarantor,and Cai Yuantong passes a deposit of financial funds as a guarantee deposit and initiates a model of providing government funds for corporate loans.Due to the particularity of the financing model,its operation process China will face unpredictable new problems.This loan model to provide a great convenience for the protection of corporate funds,greatly reduce the financing threshold,but also increased the financial risk at all levels of funds,unsecured loans lending model coupled with the instability of SME management,it is easy to appear Unreachable money problem.This article will focus on the legitimacy of the legal relationship involving enterprises,governments and banks involved in the operation of the model of credit correspondence through the analysis of the loopholes in the legal loopholes involved in the operation of financial loans,especially for SMEs in the mode of financing of the existence of government loans Not enough,the evaluation standard of bank loans,and the lack of supervision after the lending.The countermeasures of improving the law of the financial lending operation mode are put forward,which contributes to the healthy and healthy operation of Nanchang Industrial Park.