CAJ | 학술논문

我国民营中小企业已成为国民经济和社会发展的重要力量，但其发展常陷入融资困境，我国的融资模式存在很大的局限性。中小企业只有在一个法律法规体系完善、金融体系和信用担保体系健全的金融环境中，才能形成可行的融资模式。中小企业亟需顺应金融环境、市场制度的变化，不断创新，创造符合自身发展的融资模式，进行多元化融资，形成充足的资金流，促成企业的长足发展，才能在竞争激烈的市场中不断做大做强。
아국민영중소기업이성위국민경제화사회발전적중요역량，단기발전상함입융자곤경，아국적융자모식존재흔대적국한성。중소기업지유재일개법율법규체계완선、금융체계화신용담보체계건전적금융배경중，재능형성가행적융자모식。중소기업극수순응금융배경、시장제도적변화，불단창신，창조부합자신발전적융자모식，진행다원화융자，형성충족적자금류，촉성기업적장족발전，재능재경쟁격렬적시장중불단주대주강。
Private small and medium - sized enterprises in China have become an important force in the nation-al economy and social development,but its development often fall into financial difficulties,due to great limitations in our country’s financing mode. Only in a financial environment with perfect laws,completed finance and credit guarantee system,can make it possible to form a feasible financing mode. So the private small and medium - sized enterprises need to conform to the changes of financial environment and market system,keep innovating to create its own financing mode;only with diversification financing to form sufficient cash flow,can develop rapidly and come to be bigger and stronger in an intensely competitive environment.