数字金融赋能科技型中小企业融资路径探析——以常州市为例

Research on the Financing Path of Digital Finance Empowering Technology-based Small and Medium-Sized Enterprises:Taking Changzhou as an Example

科技型中小企业是我国经济高质量发展的重要支撑。针对常州市科技型中小企业融资存在的政府支持覆盖面不足、资信评估不准确、金融品种创新不足、渠道单一等问题,基于生命周期理论,提出数字赋能企业的融资路径:覆盖科技型中小企业全周期,构建科技金融创新生态;利用轻资产核心优势,打造数字化知识产权融资模式;突破传统信贷配给,构筑科技供应链融资模式;探索投贷联动,建立科技金融资本补充机制。

Technology-based small and medium-sized enterprises are an important support for the high-quality development of China s economy.In view of the insufficient coverage of government support for the financing of technology-based small and medium-sized enterprises in Changzhou,inaccurate credit evaluation,insufficient innovation of financial varieties and single financing channels,based on the enterprise life cycle theory,the article puts forward a financing path of digital empowering enterprises:covering the whole cycle of small and medium-sized science and technology enterprises,constructing the science and technology financial innovation ecology;making use of the core advantages of light assets to create a digital intellectual property financing model;breaking through traditional credit allocation and building the financing mode of science and technology supply chain;exploring investment and loan linkage and establishing a supplementary mechanism for replenishing science and technology finance capital.