CAJ | 학술논문

小微金融企业产生有利于国内经济从粗线条发展转向精细结构调整，有利于填补民企融资难的问题。小微金融企业因资本获利驱动和网络支付平台发展而具有较大发展空间，对传统金融企业产生一定的竞争，需要防范信息服务平台的风险、经营的风险和人员因素引发的操作风险等。
소미금융기업산생유리우국내경제종조선조발전전향정세결구조정，유리우전보민기융자난적문제。소미금융기업인자본획리구동화망락지부평태발전이구유교대발전공간，대전통금융기업산생일정적경쟁，수요방범신식복무평태적풍험、경영적풍험화인원인소인발적조작풍험등。
Small and micro financial enterprises is conducive to the domestic economy from thick line development to fine reconciliation, and to fill the financing problem of private enterprises. But it has a larger development space for capital profit driven and network payment platform development, has some competition for traditional financial enterprises, so it needs to prevent risks of information service platform, management and personnel factors caused.