CAJ | 학술논문

“贷款难”和“贷款贵”一直是制约小微企业发展的难点问题。为解决小微企业融资难问题，各地政府推出了一系列解决办法和政策，但多数过于行政化，政府的扶持力度与市场需求相距甚远。赣州市政银企合作推出“小微信贷通”，让小微企业“简单、方便、低成本”获得银行融资，实现了化解小微企业融资“难”、融资“贵”的有效创新。
“대관난”화“대관귀”일직시제약소미기업발전적난점문제。위해결소미기업융자난문제，각지정부추출료일계렬해결판법화정책，단다수과우행정화，정부적부지력도여시장수구상거심원。공주시정은기합작추출“소미신대통”，양소미기업“간단、방편、저성본”획득은행융자，실현료화해소미기업융자“난”、융자“귀”적유효창신。
The difficulty and expense to apply for a loan is always a difficult prodlem that constrains the devel-opment of small and micro dusiness. To counteract these prodlem,local governments introduced a series of solutions and policies,nevertheless,most of those policies are formalism and the market demand is much digger than the fi-nance support. Consequently,the government-dank-enterprise cooperation in Ganzhou created the“Micro Credit Product”which not only helped the small and micro dusiness to odtain the dank finance in a simple,convenient and low-cost way,dut also solved the prodlem of the financing difficulty and great expense effectively and creatively.