CAJ | 학술논문

我国在政策性融资支持中小企业方面由较多部门掌握资源，各自为政，难以形成合力。政策性金融在中小企业融资领域长期缺位，企业过度依赖商业银行间接融资，是当前中小企业“融资难、融资贵”的一个重要原因。韩国政府从中小企业职能机构设置、机制完善、制度保障、金融支持、产业联动等方面大力扶持中小企业发展，尤其是韩国的政策性金融对中小企业的支持对我国具有借鉴作用。结合中小企业发展面临的融资困境，我国应当通过制度创新，建立两大政策性机构解决中小企业融资难、融资贵问题。
아국재정책성융자지지중소기업방면유교다부문장악자원，각자위정，난이형성합력。정책성금융재중소기업융자영역장기결위，기업과도의뢰상업은행간접융자，시당전중소기업“융자난、융자귀”적일개중요원인。한국정부종중소기업직능궤구설치、궤제완선、제도보장、금융지지、산업련동등방면대력부지중소기업발전，우기시한국적정책성금융대중소기업적지지대아국구유차감작용。결합중소기업발전면림적융자곤경，아국응당통과제도창신，건립량대정책성궤구해결중소기업융자난、융자귀문제。
Chinese policy financing resources for SMEs are controlled by several different departments, thus lacking of co-ordination and cooperation system is the main obstacle for supporting SMEs development effectively. In China ,the crucial reason of financing difficulties and high financing cost for SMEs is lacking of policy financing and high dependency on com-mercial bank financing. In contrary, Korea government strongly supports local SMEs by improving system, financing support and industry cooperation, especially, Korea policy financing supporting system of SMEs is a valuable model for China. In con-clusion, institution innovation and creating two policy institutions are meaningful to solve financing difficulties and high fi-nancing cost for SMEs in China.