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Research on the Legal System of Small and Medium-sized Enterprises Loan

Author: LuoWei
Tutor: ChenMaoGuo
School: Wuhan University of Technology
Course: Economic Law
Keywords: Credit system of small and medium-sized enterprises Banking Legal issues
CLC: D922.291.91
Type: Master's thesis
Year: 2013
Downloads: 26
Quote: 0
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Abstract


Small and medium-sized enterprises play an important role in the economic development of countries, not only stimulating the sustainable economic development of the new economic growth pole, and maintaining a competitive market structure, boosting economic development, to meet the needs of the society, the maintenance of social stability is of large enterprises cannot replace the role, and then become the government economic function, construction harmonious society an indispensable important strength. This determines the government’s need to promote the development of small and medium-sized enterprises.However, small and medium-sized enterprises due to its own economic strength is weak, the lack of social resources and other factors, in a weak position in the market competition, the need for government support to promote the development of itself. The SME loan difficult in the final analysis is a kind of market failure, in our country it is more of a system failure. To our country small and medium-sized enterprise loan difficult problem, the key is to establish a to induced institutional change to promote primarily, endogenetic SME loan support system to support its development.The development of SMEs in China are facing many constraints and restrictions, such as the policy of discrimination,The market access issues, the identity of treatment, but the main problem is the problem of capital, capital accumulation of small and medium-sized enterprises limited, is mainly rely on external financing" but the most significant financing is the bank loan," so, to issue to the development of small enterprises to solve the problem, we must first solve the loan problems of small and medium sized enterprises" so, what factors caused the SME loan difficult problem? In China, these factors mainly include:the government does not pay enough attention to small and medium-sized enterprises, support is not high; the financial structure is irrational, the banking industry is highly concentrated; the reform of state-owned commercial banks is not complete and perfect, the lack of incentive mechanism enough; opposite steady operation characteristics and commercial banks operating flexibility of small and medium enterprises principle; commercial bank lending to small and medium-sized enterprises transaction costs high, difficult to control the cost; the small and medium-sized enterprise management was not standardized, the accounts are not clear, and even false fraud etc..The background and current situation of the development of small and medium-sized enterprises in China, focusing on small and medium-sized enterprises as the weak economy and promote the protection, improve the market competitiveness of SMEs, the legal system of the small and medium-sized enterprise value pursuit, policy objectives and the status of the system are deep into analysis, try to explore and promote the development of small and medium-sized enterprises need legal support from the system, and how to establish and perfect the legal system to promote the development of SMEs.

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