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随着我国经济的高速发展,中小企业融资问题层出不穷,特别是具有“轻资产,高投入,高风险”等特征的科创型中小企业更是面临着“融资难,融资贵”的尴尬局面。投贷联动作为金融服务创新产品为科创型中小企业提供了融资新模式,但在应用中难免会出现水土不服现象。本文分析了投贷联动模式在我国中小企业实践中遇到的困境,并针对性地提出了要注重顶层制度设计,促使风险预测、识别、隔离无障碍;推动投贷联动风险补偿机制的相关法律、政策出台;推进资本市场发展,完善退出渠道、条件;培养复合型人才等对策。
With the rapid development of economy in our country, the financing problems of SMEs emerge in an endless stream, especially the small and medium-sized SMEs that have the characteristics of “asset-light, high investment and high risk” face the problem of “financing difficulty and financing expensive” The embarrassing situation. As a financial service innovation product, loan-lending linkage provides a new mode of financing for S & T-based SMEs, but it is inevitable that there will be acclimatization in applications. This paper analyzes the plight of the mode of investment and loan in the practice of SMEs in our country, and puts forward some suggestions that we should pay attention to the design of the top system to promote the risk prediction, identification and isolation; , The introduction of policies; promote the development of capital markets, improve the exit channels, conditions; training of compound talents and other countermeasures.