CAJ | 학술논문

在我国，快速、健康和持续发展的小微企业对经济增长的贡献越来越大，其在繁荣市场、促进经济增长、稳定就业、推动创新等方面起到了越来越重要的作用。目前，小微企业正面临着许多融资困境，严重影响了企业的生存发展。本文分析了小微企业的融资现状和融资困境形成的原因，提出了化解融资难题、创新融资途径的思路和对策，以期为满足小微企业的融资需求提供借鉴和参考。
재아국，쾌속、건강화지속발전적소미기업대경제증장적공헌월래월대，기재번영시장、촉진경제증장、은정취업、추동창신등방면기도료월래월중요적작용。목전，소미기업정면림착허다융자곤경，엄중영향료기업적생존발전。본문분석료소미기업적융자현상화융자곤경형성적원인，제출료화해융자난제、창신융자도경적사로화대책，이기위만족소미기업적융자수구제공차감화삼고。
In China, the rapid, healthy and continuing development of small and micro enterprises contributes to the increase of economy greater and greater and plays more and more important role in booming markets, promoting increase of economy, steadying employment and pushing innovation. At present, small and micro enterprises are facing with a lot of financial difficulties which seriously affects their existence and development. This paper analyzes the financial situation of small and micro enterprises and the reason why there appears the financial difficulties, and proposes the ideas and measures to resolve financial difficulties and innovate financing channels in order to supply references for small and micro enterprises to meet their demands.