긍융위기시대의 중소기업 긍융정책의 개선에 관한 연구 = A Study of Improvement regarding the Financial Policy for the Small and Medium Industiy in the Financial Crisis Era

다국어 초록 (Multilingual Abstract)

The financial crisis from US at the end of 2008 reminded us how important the finance system is. It was the lost of liquidity of financial flow because of the fluctuation of primary market and the bankruptcy of financial institutions of New York and the paralyzing of financial market. This resulted the housing finance market broken, the diminished stock market, and small business bankruptcy. It was defined as the financial crisis, to solve this crisis, US, China, Korea and Japan, etc., are providing such a huge amount of money to settle the crisis. This makes the e-Business market, which is a symbol nowadays as the service market, shrink, and bring not only the small business down but the economic paralyzing, etc. The small and medium industry finance policy has adapted the classical method, which used the collateral for the loan credit, however, the credit warranty, the business appraisal, and other new ways are considering to expand the loan policy for the small business. Because the small business financial policy is to supply the lack of money, and cover the risk with public finance. It is very important to solve this problems with the improvement of system, and the arrangement of credit insurance. Of course, this has to accompany with the new innovation policy of the loan risk management. These kinds of various approach seek the innovation of the loan policy to vivid the small business, this is the pivot to alive the nation`s economy. This policy is drawing not only the innovation, but also the improvement for the new nation`s system. There is very little space to assist the system innovation of small business finance with the law regarding the merge of finance market. In spite of this disadvantage, the finance market will be innovated by the law, including the personal financial system, this will lead the finance innovation. Now the finance crisis from US bring the basic improvement for finance. This means it demands the new study regarding the finance policy innovation in this financial crisis era.