CAJ | 학술논문

中小企业融资难是我国金融业改革和经济发展中一个急需解决的问题。如何再造商业银行与中小企业间和谐融资模式，是解决融资瓶颈的关键。供应链金融正是商业银行针对中小企业的特点及融资需求量身定做的一种新型融资渠道。本文深入揭示了供应链金融的融资优势及其改善我国中小企业融资困境的有效性。并针对供应链金融在我国开展面临的问题，提出操作性较强的应对策略。
중소기업융자난시아국금융업개혁화경제발전중일개급수해결적문제。여하재조상업은행여중소기업간화해융자모식，시해결융자병경적관건。공응련금융정시상업은행침대중소기업적특점급융자수구량신정주적일충신형융자거도。본문심입게시료공응련금융적융자우세급기개선아국중소기업융자곤경적유효성。병침대공응련금융재아국개전면림적문제，제출조작성교강적응대책략。
The difficulty in SMEs＇ financing is issues badly in need of settling during financial Reform and economic development in China. How recycling harmony financing model between commercial banks and SMEs is the key to solve the financing bottleneck. Supply chain finance is very a new pattern of finance channels for SMEs financing needs and characteristics. This article reveals the depth of the financial supply chain financing advantage of China＇s SMEs and improve the effectiveness of the financing difficulties. And for the difficulty in SMEs＇ financing in China, this paper puts forward highly operative response strategy.