科技型中小微企业金融服务体系构建

Construction of Small and Medium-sized Enterprise Financial Service System for Science and Technology

科技型中小微企业是科技创新的重要力量,可通过创业风险投资、科技支行、科技保险、资本市场等途径获取融资,然而,其金融服务体系却出现了创业风险投资短期行为严重、恶性担保、资本市场不健全、科技保险作用有限等诸多问题。应结合我国国情,从完善政策、发展多元化融资服务、创新产品和优化平台等方面,构建我国科技型中小微企业的金融服务体系。

Micro-small and medium technology enterprises are the important force of scientific and technological innovation,which can obtain financing through venture capital investment,branch of science and technology,science and technology insurance and capital market.However,they have some problems that the venture capital seriously short-term behavior,pernicious guarantee,imperfect capital market,limited technology insurance.Combining the national conditions and experience of providing by the United States Silicon Valley mode,Germany IPC wind control technology and the Israel science incubator and YOZMA Fund,we build a scientific financial service system for micro-small and medium technology enterprises from the policy,diversified financial services,producting innovation and optimization platform.