CAJ | 학술논문

企业发展面临着许多自身难以克服的经济、制度以及法律等方面的矛盾和问题。在这些难题中，作为一个世界性的难题，融资问题更是首当其冲。以银行为主体的金融体系是适合我国企业融资要求实际的，然而由于风险等种种问题，银行对企业贷款申请的拒绝率比较高，企业银行融资面临严重的融资困境。信息的不对称性对于企业融资选择有着重大的影响作用。融资难问题需要企业和银行共同的努力来解决，相关部门应全面提升企业自身素质，努力解决银企间信息不对称问题，加大金融机构支持力度，强化企业的融资制度保障，以此来促进我国特设社会主义市场经济的发展。
기업발전면림착허다자신난이극복적경제、제도이급법률등방면적모순화문제。재저사난제중，작위일개세계성적난제，융자문제경시수당기충。이은행위주체적금융체계시괄합아국기업융자요구실제적，연이유우풍험등충충문제，은행대기업대관신청적거절솔비교고，기업은행융자면림엄중적융자곤경。신식적불대칭성대우기업융자선택유착중대적영향작용。융자난문제수요기업화은행공동적노력래해결，상관부문응전면제승기업자신소질，노력해결은기간신식불대칭문제，가대금융궤구지지력도，강화기업적융자제도보장，이차래촉진아국특설사회주의시장경제적발전。
Enterprises have to face many economic, institutional and legal difficulties that could not be overcome by themselves. Financing difficulty, as a worldwide problem, is one of those difficulties they encountered first. Banks are the main player of China's financial system, suitable to meet the financing demand of Chinese enterprises. However, enterprises have to face severe financing difficulties as most loan applications are turned down by banks in light of potential risks. Information asymmetry also affects the financing selection of enterprises. To overcome financing difficulties, effort should be made by both enterprises and banks to broaden the financing channel, break the infor-mation asymmetry, intensify the support of financial institutions and improve the financing system of enterprises.