科技型中小企业融资困境及制度创新研究

Research on Financing Predicament and Institutional Innovation of Hi-Tec SMEs

科技型中小企业在科技进步和经济发展中起着拉动作用,而融资约束是制约科技型中小企业发展的一个突出问题。当前,企业自身弱点、银行方面的不利因素、担保体制的不健全、民间借贷市场的混乱、风险投资的缺陷、法律制度的滞后都制约了科技型中小企业的融资能力。要通过提高企业素质、强化政府扶持、建立规范的银行体系、完善法律制度等形式来实现科技型中小企业融资能力的创新。

Hi-Tec SMEs play a stimulating role in the progress of science and technology and economic development,and financing constraints are a prominent problem that restricts the development of Hi-Tec SMEs.At present,the weaknesses of the enterprise itself,the adverse factors in the bank,the unsound guarantee system,the confusion of the private lending market,the defects of the venture capital and the lag of the legal system all restrict the financing ability of Hi-Tec SMEs.By improving the quality of enterprises,strengthening government support,setting up a standardized banking system and perfecting the legal system,the innovation of financing ability of Hi-Tec SMEs should be realized.