A Study on the Development Status of Private Credit in China and Countermeasures Summary

With the increase in number of small, medium and micro enterprises, demand for private credit is also expanding. As an important form finance China, business has to a certain extent made up lack bank capital supply indispensable driver economic growth. However, there are many problems with credit, failure address these existing will pose great threat market China. It therefore matter urgent research identify root causes so that corresponding countermeasures can be put forward solve them.Through comparison analysis current situation lending China abroad, this paper summarises directions learnt from By analysing game-like income between capital, banks owners SMEs, it concluded main reason phenomenon adoption dual-track interest rate system. The system created huge risks SMEs market. Therefore, necessary set standardised rates, reform improve financial fundamentally China's promote healthy development our economy