中小企业融资困境及对策研究--以科技型企业为例.docxVIP

PAGE 12 中小企业融资困境及对策研究 ——以科技型企业为例 摘 要：随着知识经济的到来，科技型中小企业像雨后春笋一样蓬勃发展。但是在我国，科技型中小企业的融资却出现了很多问题，制约了公司的可持续发展。与传统企业相比，科技型企业是一种知识技术与人才相对密集的产业模式，同时科技型中小企业以追求企业的创新为主要目的，是一种高效率的能够提供经济价值的企业运营模式。科技型中小企业融资面临的困境包括筹资风险高且筹资困难、投资理财战略缺乏科学性、融资风险管控制度不完善，中小企业融资困境解决对策包括拓宽筹资渠道，防范筹资风险、建立科学融资风险识别与预警机制、健全融资风险防范制度，重视财务人才培养，着力解决科技型中小企业融资困境对于提升中小企业总体水平具有重要意义。 关键词:科技型中小企业；融资方式 ；融资策略 Research on Financing Dilemma and Countermeasures of SMEs —— Take Science and Technology Enterprises as an Example ABSTRACT:With the advent of the knowledge economy, technology-based SMEs are booming like mushrooms. However, in China, there are many problems in the financing of technology-based SMEs, which restricts the companys sustainable development. Compared with traditional enterprises, technology-based enterprises are an industrial model with relatively intensive knowledge, technology and talents. At the same time, technology-based SMEs are mainly pursuing enterprise innovation and are an efficient business operation model that can provide economic value. . Difficulties faced by technology-based SMEs in financing include high financing risks and difficulties in financing, lack of scientific investment and financial management strategies, and imperfect financing risk management and control measures. Solutions to the financing difficulties of SMEs include widening financing channels, preventing financing risks, and establishing scientific financing risk identification With early warning mechanism, perfect financing risk prevention system, attach importance to the training of financial talents, and focus on solving the financing dilemma of technology-based SMEs is of great significance for improving the overall level of SMEs. Key words: Small and medium-sized enterprises ; The financing way; Financing strategy 前言 21世纪是知识经济的时代，科技型中小企业对于促进经济的发展具有重要的意义，科技型中小企业是具有高附加价值的产品作为主要利润来源，聚集了高新技术人才，是科技人才的聚集地，虽然科技型中小企业规模较小，但是并不影响其对于经济价值以及经济效益的创造。科技型中小企业融资面临众多困境，着力解决科技型中小企业融资困境对于提升中小企业总体水平具有重要意义。 1 相关理论概述 1.1 科技型中小企业 1.1