CAJ | 학술논문

金融危机爆发以来,小企业再度成为经济发展的关注热点,尤其是众多的小企业面临融资困难甚至是资金链断裂等严重问题。本文以工商银行聊城分行（以下简称为＂聊城工行＂）为样本,考察其发展小企业融资的经验、做法和效果,分析国有商业银行在小企业融资中所独具的优势及存在的问题与障碍,得出大型金融机构可以发展小企业金融业务的相关结论。
금융위궤폭발이래,소기업재도성위경제발전적관주열점,우기시음다적소기업면림융자곤난심지시자금련단렬등엄중문제。본문이공상은행료성분행（이하간칭위＂료성공행＂）위양본,고찰기발전소기업융자적경험、주법화효과,분석국유상업은행재소기업융자중소독구적우세급존재적문제여장애,득출대형금융궤구가이발전소기업금융업무적상관결론。
After the financial crisis, small enterprise＇ s problems, especially the financing cllttlCUltles ana me rupture o~ cash chain become the main economic focus again. This paper takes ICBC as the example to analyze how to use the SOCB＇s （state-owned commercial bank） advantages to help the small enterprise pass through the financing difficulties. Based on this theory we find out that the SOCB is the nucleus to conquer small enterprises＇financial difficulties. In this paper we also give suggestions for SOCD to develop relevant businesses.