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中小型企业是一个庞大而且还在不断发展的企业群体,然而融资难却一直是困惑着中小企业生存发展的严重问题,中小企业融资难的问题得不到解决,制约我国经济的发展,中小企业融资问题亟待解决。本文通过分析我国中小企业的融资现状和民间借贷的立法现状,分析我国存在的主要问题,结合当前国家关于中小企业融资的政策及法律,讨论这些政策的科学性与有效性,并根据最近我国将温州作为金融改革试验点的实践,借鉴国外的经验,为解决中小企业融资难问题探寻在民商法上的政策与法律规制。
Small and medium-sized enterprises are a large and still developing group of enterprises. However, financing difficulties have always been a serious problem that confused the survival and development of small and medium-sized enterprises. The problem of small and medium-sized enterprises’ financing difficulties can not be solved and the development of our economy is restricted. Small and medium enterprises Financing problems to be solved. This article analyzes the status quo of financing for SMEs in our country and the status quo of legislation on private lending, analyzes the main problems in our country, discusses the scientific and validity of these policies with the current national policies and laws on financing of SMEs, Wenzhou as a pilot of financial reform practice, learn from foreign experience, to solve the problem of financing for small and medium enterprises to explore the civil and commercial laws and legal regulations.