中小企业间接融资的法律风险控制研究  

On small enterprise indirect finance's legal risk control research

作　　者：王荣芳[1,2] 

机构地区：[1]中国政法大学民商经济法学院,北京100088 [2]华东理工大学商学院,上海200237

出　　处：《特区经济》2012年第1期248-251,共4页Special Zone Economy

基　　金：北京市科委科技计划课题<科技型中小企业融资法律问题研究>的阶段性成果之一;项目编号:Z10000800041009

摘　　要：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。Minor and medium-sized businesses play a very important role in our national economy,but they have been faced with a great difficulty in financing which is restricting their development severely.Such difficulty is mainly caused by the fact that small enterprises can hardly meet the needs of risk control from financial institutions.Based on current situations of enterprise indirect financing legislation and practice and various experiences,this thesis not only analyses the causes of formation of minor and medium-sized businesses＇ legal risk in indirect financing but also puts forward specific suggestions on legal risk control of enterprise indirect financing through raising enterprise＇s credit,expanding financing channels,improving guarantee systems and enhancing credit system construction and supervision.

关 键 词：中小企业 间接融资 法律风险 风险控制 

分 类 号：D922.28[政治法律—经济法学] D922.29[政治法律—法学] F276.3[经济管理—企业管理]