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1、ABSTRACTMediumandsmall-sizedenterprisesplayavitalpartinournationaleconomy.However,atpresent,theybothfacemanyproblems,dueto比。lackofcurrentfund-raisingchannelsaswellastheirfinancialconditions,which,inturn,willunavoidablyrestricttheirfurtherdevelopment,orevenhasanegati
2、veinfluenceonthewholenationaleconomy.Withviewtothefactthefundsinthesocietyenterintocreditorganizationsmainlyintheformofresidents'savingsandapproachestoraisefundsaremainlyinformofcreditfund-raising,thispaperfocusesonanalyzingthereasonswhythecreditfund-raisingisdiffic
3、ultandthenputforwardsomecorrespondingresolutionstothisissue.Thereasonsofdifficultyonthecreditfund-raisingofmediumandsmall-sizedenterprisesarecausedbyits~andthesystemofcreditingorganizations.Thesefactors,suchasthedefectsintitleofstate-ownedandcollectivemediumandsmall
4、-sizedenterprises,legalambiguityintitleofcivil-ownedmediumandsmall-sizedenterprises,family-likemanagement,reducetheeconomicefficiencyandlimittheabilitytoraisefunds.Asforthesystematicreasonanddifferentunderstandingofinformationstatusofmediumandsmall-sizedenterprises，
5、suchmaincreditsystemsasthefourstate-ownedcommercialbanksleadtothereductionsofsupplyofeffectivecreditfunds.Tosolvetheissue,theauthorpointsoutthatononehand,mediumandsmall-sizedente印risesmuststrengthentheirownestablishmentinordertoenhancetheirfund-raisingability,ontheo
6、therhand,itisnecessarytosetuptheircreditsystem.Thereformoftitlesystemofstate-ownedandcollectivemediumandsmall-sizedenterprises,togetherwiththerenovationofmanagementmodeo,private-ownedmediumandsmall-sizedbusinessesandthelegalestablishmentoffurtherperfectingprotection
7、ofprivate-ownedpropertyright,willbenefittheenhancementofeconomiceficiencyoftheaboveenterprisesaswellastheirabilitiestoraisefunds.Thereformtoincreasethequantityandquality,togetherwiththeestablishmentofmediumandsmall-sizedcreditsystems,willenhancethecapabilitythatcred
8、itingorganizationssupplyfundstomediumandsmall-sizedenterprises.Keywords:creditingfund-raisingtitlesystemmanagementmodecreditingorganizatio
