科技型中小微企业信用贷款模式的探索与实践

The Exploration and Practice of the Credit Loan Mode of Technology-based Micro,Small and Medium-sized Enterprises

当前国内科技型中小微企业在新冠疫情的持续影响下,面临的发展形势更加严峻,同时面临着“融资难、融资贵”的困境,正处在企业发展与融资困难交汇的紧迫时期。为了更好地促进科技型中小微企业的发展,本文主要对科技型中小微企业信用贷款模式进行分析,希望可以为科技型中小微企业的发展提供借鉴。

At present,domestic technology-based small,medium and micro enterprises are facing a more severe development situation under the continuation of the COVID-19 epidemic.At the same time,they are also facing the dilemma of"financing difficult and expensive".They are in an urgent period of convergence between corporate development and financing difficulties.In order to better promote the development of technology-based small,medium and micro enterprises,the article mainly analyzes the credit loan model of technology-based small,medium and micro enterprises,hoping to provide good financial support for the development of technology-based small,medium and micro enterprises.