CAJ | 학술논문

小微企业发展势头迅猛，成为我国社会经济发展的重要推力，但小微企业面临着融资难、融资贵、融资险的困境，已严重制约了其自身的发展，能否合理有效解决融资难问题是我国小微企业健康持续发展的关键。政府部门、金融机构和企业本身都要积极采取措施，减轻融资难度，降低融资成本，化解融资风险。
소미기업발전세두신맹，성위아국사회경제발전적중요추력，단소미기업면림착융자난、융자귀、융자험적곤경，이엄중제약료기자신적발전，능부합리유효해결융자난문제시아국소미기업건강지속발전적관건。정부부문、금융궤구화기업본신도요적겁채취조시，감경융자난도，강저융자성본，화해융자풍험。
Growing rapidly, small and micro businesses have become important impetus to China’ s social and economic devel-opment. However, they are facing problems like difficult, expensive and risky equity trading, which have limited the development of those businesses. Whether the problem of equity trading can be properly solved is the key to the sound and sustainable develop-ment of small and micro businesses. Governments, financial institutions and enterprises must take measures to overcome the diffi-culty, reduce the cost and minimize the risk.