经济转型期创新型中小企业动产融资普及化分析

Generlization of Chattel Financing for Innovative Small-and-Medium-Sized Enterprises in Period of Economic Transformation

融资困难是创新型中小企业发展面临的最大刚性约束。创新型中小企业的企业价值主要体现在技术创新和知识产权等动产领域,动产融资模式有助于其盘活企业资产、解决融资困境。但由于创新型中小企业对动产融资政策了解少、融资成本高,动产价值评估难等原因,造成我国创新型中小企业动产融资普及程度不高,动产大量闲置与融资困难并存。因此,借鉴国外成功经验,健全担保法律制度,减少并分散金融机构动产融资风险。加强引导及政策支持,调动其参与动产融资积极性,是创新型中小企业动产融资普及化的必要前提。

The financing difficulty is the biggest rigid constraint for the development of innovative small and medium-sized enterprises.The enterprise value of innovative small and medium-sized enterprises is mainly reflected in the fields of technology innovation and intellectual property rights.The mode of movable property financing helps to revitalize enterprise assets and solve financing difficulties.However,due to the lack of understanding of chattel financing policy,high financing cost and difficult evaluation of chattel value of innovative SMEs,the popularity of chattel financing is not high,and a large number of idle chattels coexist with financing difficulties.Therefore,learning from the successful experience of foreign countries,improving the legal system of guarantee,reducing and dispersing the risk of movable property financing of financial institutions.Strengthening guidance and policy support and mobilizing their enthusiasm to participate in Chattel financing are a necessary prerequisite for the popularization of chattel financing for innovative small and medium-sized enterprises.