CAJ | 학술논문

作为国民经济的重要组成部分，中小企业对经济发展和社会事业做出了积极的贡献，而“融资难”成为困扰中小企业发展的重要障碍。通过调查，分析广西中小企业的发展状况及融资现状，提出创新商业银行服务模式，运用供应链金融服务缓解中小企业的融资问题，并重点分析仓储质押、统一授信、反担保、保兑仓等四种模式。
작위국민경제적중요조성부분，중소기업대경제발전화사회사업주출료적겁적공헌，이“융자난”성위곤우중소기업발전적중요장애。통과조사，분석엄서중소기업적발전상황급융자현상，제출창신상업은행복무모식，운용공응련금융복무완해중소기업적융자문제，병중점분석창저질압、통일수신、반담보、보태창등사충모식。
Small and medium-sized enterprises, as the key part of national economy, positively contribute to e-conomic development and social programs, while financing difficulty significantly perplexes development of small and medium-sized enterprises. Through investigations, the article analyses small and medium-sized en-terprises' development and financing status, comes up with innovation patterns for commercial bank service and makes use of service mode for supply chain finance to relieve financing problems. In addition, emphasis is placed on analysis of storage pledge, unified credit, counter guarantee and confirming storage.