科技型中小企业特征及融资体系的构建.doc

井冈山大学??学院毕业论文（设计） PAGE 密级： 本科毕业论文（设计） 题目 学 院 专 业 班 级 学 号 姓 名 指导教师 起讫时间 教 务 处 印 制 科技型中小企业特征及融资体系的构建 姓名 王凯萍 班级 财务管理14本（1）班 学号1404106019 指导老师 xx 【摘要】由于现在都趋于全球化发展，中国的市场经济发展迅速，科技型的小微科技企业也取得了巨大的发展，成为中国经济的一部分。科技型小微企业在促进经济发展、创造就业机会、增加财政收入、促进技术创新等方面发挥着重要作用。然而，目前中国的科技型小微企业对风险具有抵抗性相对较弱、规模有限，使得其存在较严重的融资问题。基于此，本文从企业视角对我国科技型小微企业融资难的原因进行分析，认为目前主要是由于国内产权市场不健全，对于风险投资业政府没有加大支持力度，缺乏有效手段，信用体系不健全，导致了这些企业在融资道路上的困境。最后，本文提出了解决科技型中小企业融资难的策略，认为应该对证券市场加大发展力度，发展我国风险投资，加快中小企业信用体系的建设，并且要加强中小企业自身的建设，最后，还应该构建专业化网络借贷体系以及中小科技企业信用担保制度和机构。 【关键词】科技型小微企业；融资；创新 The characteristics of technology-based smes and the construction of financing system Name Wang Kaiping. Class financial management 14 class no. 1404106019. Instructor xx 【Abstract】With the development of globalization, China's market economy has come a long way, and the small and micro enterprises of science and technology have been greatly developed as an important part of our economy. Small and technological enterprises play an important role in promoting economic development, creating jobs, increasing fiscal revenue and promoting scientific and technological innovation. However, due to the relatively weak anti-risk ability and limited scale, the small and micro enterprises in China have a serious financing problem. Based on this, this article from the perspective of enterprise of our country science and technology by analyzing the reasons for small micro enterprise financing difficulties, think at present is mainly due to the domestic property market is not perfect, the government's support of venture capital industry is not enough, the lack of effective means of credit system is not sound, led to the enterprise in the plight of financing on the road. Finally, this paper puts forward the solving financing problems of sm