基于“增信”服务视角的科技型小微企业融资研究

Research on Financing of Science and Technology Small and Micro Enterprises Based on the Perspective of"Credit-Increasing"Service

科技金融中介在科技型小微企业融资对接过程中起到重要的桥梁作用,且更具有“增信”作用。本文介绍我国几家科技金融中介服务公司网站开设投融资窗口对接服务这一新生事物,分析这些投融资窗口产生的背景和现状、融资成本、服务功能和运行模式的特点,提出改进科技金融中介投融资窗口服务模式的对策建议,以便使该科技型小微企业融资新渠道得以畅通发展,其创新服务实践经验受到宣传推广。

Technological financial intermediaries play an important role as a bridge in the financing and docking process of small and micro-technology enterprises,and they also have a"credit-increasing"role.This article introduces the new thing of the opening of investment and financing window docking services on the websites of several technology financial intermediary service companies in China,analyzes the background and current status of these investment and financing windows,the characteristics of financing costs,service functions and operating modes,and proposes to improve the investment of technology financial intermediary The countermeasures and suggestions of the financing window service model in order to enable the new channel for financing of science and technology small and medium enterprises to develop smoothly,and its innovative service practice experience is publicized and promoted.