CAJ | 학술논문

中小企业融资难问题是世界上大多国家和地区普遍面临的一个突出性问题。近年来，英国众筹、个人对个人借贷以及发票交易等多种另类融资市场中介发展迅猛，特别是?2013?年增幅显著。英国另类融资的催生和发展，其主要经济和社会因素为：中老年人创业现象趋热，金融改革带来的负面冲击，经济社会因素给创业家融资所带来的障碍，以及社会媒体和以网络为基础的金融交易的广泛应用。英国政府，一方面采取有效措施对中小企业另类融资进行监管，另一方面还为其提供资助。英国另类融资为其众多初创企业和中小企业在不同发展阶段提供了强有力的金融支持，在很大程度上助推了中小企业的稳步发展。英国这些企业资源与金融资源对接的新思路、新趋势和新模式，值得关注、分析和研究。
중소기업융자난문제시세계상대다국가화지구보편면림적일개돌출성문제。근년래，영국음주、개인대개인차대이급발표교역등다충령류융자시장중개발전신맹，특별시?2013?년증폭현저。영국령류융자적최생화발전，기주요경제화사회인소위：중노년인창업현상추열，금융개혁대래적부면충격，경제사회인소급창업가융자소대래적장애，이급사회매체화이망락위기출적금융교역적엄범응용。영국정부，일방면채취유효조시대중소기업령류융자진행감관，령일방면환위기제공자조。영국령류융자위기음다초창기업화중소기업재불동발전계단제공료강유력적금융지지，재흔대정도상조추료중소기업적은보발전。영국저사기업자원여금융자원대접적신사로、신추세화신모식，치득관주、분석화연구。
SMEs ifnancing has been a common problem faced by many countries and regions. In recent years, the UK alternative ifnance market has been developing very fast, with a sharp increase in 2013. The birth and development of UK alternative ifnance relates to such socio-economic factors as the trend of older adults starting companies, negative impact of ifnancial reforms, barriers preventing entrepreneurs from accessing capital based on some non-business factors, and the widespread application of social media and web-based ifnancial transactions. While taking some effective measures to supervise the SMEs ifnancing, the British government is also providing ifnancial support for SMEs. The UK alternative ifnance has provided strong support for SMEs and start-ups at their different development stages and enhanced their steady development to a large extent. These new thought, trend and model of enterprises and ifnance matchup deserve our concern, analysis and research.