摘要
互联网金融发展方兴未艾,引导互联网金融向科技型小微企业提供融资服务是破解小微企业融资难的新渠道。在现有的电商平台融资模式上,引入公共科技金融体系,通过融合区域科技创投平台、科技政策担保公司和区域风险补偿基金等公共科技金融主体,构建融合公共科技金融体系的电商平台"集合贷款"融资模式,提出权责分享、风险共担、差别化激励的对策建议。
Internet finance is developing rapidly, and it has become a new channel to solve the financing problems faced by the small ~ micro technical companies. Based on the current prevailing mode of E-commerce finance plat- form, the public technical finance system has been introduced. By confusing the main factors of public technical fi- nance system, including the regional technical investment platform, the policy-guided guarantee companies and re- gional risk compensation fund, the financing mode of ＂collection of loans＂ on the basis of E-commerce platform is constructed to support the small ＆ micro companies. Measures such as balancingthe rights and the liabilities, sha- ring the finance risk, and differentiating encouragement measurements should be taken to guarantee the enforcement of the mode.
出处
《科学管理研究》
CSSCI
北大核心
2015年第2期97-100,共4页
Scientific Management Research
基金
科技部火炬计划项目(2013GH541490)
四川省科技厅科技创新支撑项目(2013GPTZ0005)
四川省哲学社会科学年度项目(SC12XK025)
西南科技大学科研基金(13SXT012)
关键词
公共科技金融
互联网金融
集合贷款
科技型小微企业
public sci. ＆ tech. finance
internet finance
collection of loans
small ＆micro technical companies
