科技型初创企业信用评价和实证分析

Technology Start- up Enterprise Credit Evaluation and Empirical Analysis

培育和发展科技型中小企业是国家产业结构调整和升级、促进国家科技创新的重要途径。目前,我国的科技型初创企业普遍面临着"融资难"的困境,而政府扶持基金、风险投资机构等对科技型初创企业的资金投入也面临着对目标企业的信用评价问题。因此,从企业基本情况、发展前景、财务状况多方面构建科技型初创企业的信用评价体系,对于政府相关扶持单位和金融机构对科技型初创企业进行风险评估,帮助其准确定位,明确发展方向,具有重大的现实意义。

Abstract ： Cultivating and developing small and mid - sized enterprises is an important way to promote national technology innovation, national industrial structure adjustment and upgrade. At present our country technology start -up is facing with the plight of ＂financing difficulties＂, and the government support funds ;risk investment institutions also have the company＇ s credit rating problems. Therefore, we propose an integrated index which consist of sit- uation of enterprises, business prospects, and financial situation of enterprises to evaluate the credit risk of government support units and technology start -up. It can help technology start -up position themselves and find the development direction.