Institutional Reasons for Credit Lack in Small and Medium-sized Enterprises and its Countermeasures

Credit lack is an important factor to influence the development of small and medium-sized enterprises.Indistinct system of property rights,imperfect corporate governance,backward construction for enterprise credit system and disorder competition system are the institutional reasons for credit lack in small and medium-sized enterprises.To settle the problem of credit lack,we should further strengthen the reform of property system in small and medium-sized enterprises, perfect corporate governance,establish and improve credit system of small and medium-sized enterprises,and perfect market competition system.