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运用法律手段化解风险和创新供给,解决中小企业融资难题,是当前商业银行亟需解决的重要命题。本课题立足法治角度,深入分析了我国中小企业融资法律构建现状和存在问题,从宏观层面对完善法律支持体系,营造良好法制环境进行了思考;并从微观层面出发,对商业银行运用现有法律法规,创新体制机制、渠道产品和业务流程,化解中小企业融资风险提出了具体建议。
The use of legal means to resolve risk and supply innovation to solve the financing problems of SMEs is an urgent need for commercial banks to solve the important proposition. Based on the angle of the rule of law, this subject analyzes the status quo and existing problems of financing law construction of SME in China, and ponders over perfecting the legal support system and creating a good legal environment from a macro level. At the micro level, Regulations, innovation system and mechanism, channel products and business processes, to solve the financing risk of SMEs made specific recommendations.