CAJ | 학술논문

小微企业作为我国市场经济的重要组成部分，也是经济生活中最活跃、最具有生机的力量。由于自身规模较小、收益不稳定、抗风险能力弱、贷款违约率高、缺乏合格抵押品等特征使得小微企业很难获得银行信贷资金的青睐和支持，制约了其又快又好的可持续发展。为此，应当鼓励银行提供小微金融服务、建立更多专门服务于小微企业的中小金融机构、引进国外先进信贷技术及提高小微企业自身实力，帮助小微企业突破融资难瓶颈。
소미기업작위아국시장경제적중요조성부분，야시경제생활중최활약、최구유생궤적역량。유우자신규모교소、수익불은정、항풍험능력약、대관위약솔고、결핍합격저압품등특정사득소미기업흔난획득은행신대자금적청래화지지，제약료기우쾌우호적가지속발전。위차，응당고려은행제공소미금융복무、건립경다전문복무우소미기업적중소금융궤구、인진국외선진신대기술급제고소미기업자신실력，방조소미기업돌파융자난병경。
As the most active, powerful and dynamic bodies in the economy, small and micro - enterprises play an important part in China＇s market economy. Due to their smaller scale, income instability, weak anti -risk capability, high loan default rate, lack of eligible collateral and other characteristics, these small and micro - enterprises find it rather difficult to obtain sup- port of bank credits, which to a great extent restricts a faster and better sustainable development. Thus, it is expected that the bank will provide small and medium - sized financial supports, with more specialized services, for the small and micro - enter- prises. Moreover, foreign advanced credit technology is also an important approach for the small and micro -enterprises to come through financing difficulties.