CAJ | 학술논문

中小企业具有共生、集群、离散三种分布形态,不同分布形态决定了中小企业具有不同的融资需求特性。本文有别于制度安排、金融服务体系构建的一般研究视角,而是从企业分布形态差异的独特视角对中小企业融资难症结进行了分析梳理,针对性地提出中小企业分布形态应向以龙头企业为主导的垂直整合型产业集群方向转变,同时要以培育优化供应链融资环境和创新融资担保模式来疏解不同分布形态的中小企业融资瓶颈。
중소기업구유공생、집군、리산삼충분포형태,불동분포형태결정료중소기업구유불동적융자수구특성。본문유별우제도안배、금융복무체계구건적일반연구시각,이시종기업분포형태차이적독특시각대중소기업융자난증결진행료분석소리,침대성지제출중소기업분포형태응향이룡두기업위주도적수직정합형산업집군방향전변,동시요이배육우화공응련융자배경화창신융자담보모식래소해불동분포형태적중소기업융자병경。
Small and medium-sized enterprise （SME） has such three distributing states as symbiotic, clusters and discrete states. And different states will determine the different characteristics of financing requirement of SMEs. A special research angle of enterprises distribution, which is different from other research angles, such as institution arrangement and the construction of financial service system, has been used to analyze the reasons for the difficulties in SMEs financing; it is put forward that SME＇s distributing state should be transferred to the vertical integrated industrial cluster that is oriented by leading-enterprises, and we should eliminate the bottleneck in SME financing with the help of cultivating and optimizing the environment of supply chain financing and the innovative guaranteeing pattern for financing.