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Since the 1990s , the status of small and medium enterprises in China's national economy is increasingly important . However , due to various internal and external factors , the small and medium enterprises in the development process is facing serious financial repression . Among them , important obstacles restricting the financing and development of SMEs widespread credit problems . In this paper, the theory of asymmetric information , credit rationing theory and transaction cost theory as research credit system to solve the problem of financing small and medium enterprise theory on corporate credit , credit rating , credit guarantee an important role in the process of SME financing . The status quo of China 's SME credit system , reveals SME credit system in China there are legal , resource sharing , guarantees , evaluation , and regulatory aspects of the problem . Finally, learn from the advanced experience of foreign credit system construction , build a platform , two mechanisms , four system \financing of SMEs .
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