CAJ | 학술논문

本文基于TRIZ创新理论,利用系统分析、三轴分析和矛盾分析方法对我国农村中小企业贷款难的问题进行了剖析,指出了信息不对称是引发中小涉农企业贷款失灵的根源,提出了利用信息化技术构建中小企业综合金融网络服务平台,利用政、银、企、中介等多方力量来共同改善农村中小企业贷款的思路与设计.
본문기우TRIZ창신이론,이용계통분석、삼축분석화모순분석방법대아국농촌중소기업대관난적문제진행료부석,지출료신식불대칭시인발중소섭농기업대관실령적근원,제출료이용신식화기술구건중소기업종합금융망락복무평태,이용정、은、기、중개등다방역량래공동개선농촌중소기업대관적사로여설계.
Based on TRIZ theory, the methods of system analysis, triple-axial analysis and conflict analysis are used in analyzing the loans problem of small-and-medium-sized enterprises （SMEs） in the countryside. It pointed out that information asymmetry is the main cause of such problem, and then the solution and design are proposed that building a SMS financial service web-based system to gather multi-powers including governments, banks, enterprises and agencies to improve rural SME loans.