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科技型中小企业是科技创新的主体,但由于其具有高风险、轻资产、重技术和人才等特点,使得融资难成为限制其成长的世界难题。除了我国资本市场不健全,信用担保体系不完善,银行创新金融产品不足等外部原因外,企业自身存在的问题也是阻碍科技型中小企业融资的原因。本文就以H市科技型中小企业为例,从企业自身角度探讨缓解科技型中小企业融资难的对策。
Small and medium-sized technology-based enterprises are the main body of scientific and technological innovation. However, due to their characteristics of high risk, light assets, heavy technology and talent, financing difficulties have become a global problem that limits their growth. Except for the external reasons such as the imperfect capital market, the imperfect credit guarantee system and the bank’s lack of innovative financial products, the problems existing in the enterprises themselves also hinder the financing of small and medium-sized technology-based enterprises. In this paper, H City science and technology SMEs, for example, from the perspective of their own enterprises to ease the financing of science and technology SME countermeasures.