中小企业创新融资方式

Innovative Financing Options of Minor Enterprises

与大型企业相比,中小企业融资渠道不畅,融资形式单一,缺乏长期的、稳定的和充足的资金来源。实施技术创新的中小企业对资金的需求有其特殊性,表现在对资金的需求量大、高风险、高收益等方面,从而使得融资问题表现的更为突出。针对存在的问题,结合国情应构建具有中国特色的多层次、多侧面融资体系,包括完善政策、法律、法规建设;完善金融服务支持;发展各种技术创新贷款担保机构;构建社会化服务体系。

Compare with the large enterprises, medium and small-sized enterprises have disadvantages of restricted financing channels, singular financing mode and lack of long-term, steady going and plenteous fund resources. Fund demanding of technical innovating medium and small-sized enterprises has its particularity, finds expression in large fund demanding, risky and high yield aspects, and so financing problems more bulged out. In allusion to the issues existed, combined with national conditions, a muhilayered, multilateral financing system with Chinese characteristics should be built. It includes perfect policies, laws and regulations formulation; perfect financial services supporting; develop various technical innovation financial guarantee agencies; and build a socialized services system.