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中小企业在我国国民经济中占有非常重要的地位,但是长期以来却普遍面临融资困境,融资难已经成为制约其发展的最大瓶颈,而中小企业间接融资难的主要原因在于其难以满足金融机构对贷款的风险控制要求。本文从我国现行中小企业间接融资立法与实践现状入手,在总结各地经验的基础上,分析了中小企业间接融资法律风险的成因,从企业信用增级、拓展融资渠道、完善担保体系、加强企业信用体系建设和动态信用监管等方面提出了防范中小企业间接融资风险的具体建议。
SMEs occupy a very important position in the national economy of our country. However, financing difficulties have generally been confronted with for a long time. Financing difficulties have become the biggest bottleneck restricting their development. The main reason for the difficulty of indirect financing for SMEs lies in their difficulties in meeting the demands of financial institutions for loans Risk control requirements. This article starts from the current situation of legislation and practice of indirect financing for SMEs in our country. On the basis of summing up the experiences of all localities, this paper analyzes the causes of the indirect financing risk of SMEs. From the credit enhancement of enterprises, expansion of financing channels, improvement of guarantee system and strengthening of enterprise credit System construction and dynamic credit supervision, put forward specific suggestions on preventing the indirect financing risks of SMEs.