合肥市科技型小微企业信贷融资-研究

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1、1．Inaccordancewiththelogicofthecauses·solutions，thispapermakesadetailedcombingofrelatedliteraturesathomeandabroad，summarizestheirmainpointsandmakesacomparativeanalysis．Theconclusionswedrawareasfollows：(1)Bankcreditisthemostpracticalwaytosolvethefinancingdifficultiesfort

2、echnology．basedsmallandmicroenterprises．(2)Thecharacteristicsoftechnology．basedsmallandmicroenterprisesthemselvesandthetraditionalcreditmechanismofcommercialbanksarethemaincausesoftheirfinancingdifficulties．(3)Commercialbankshavecertainadvantagesinprovidingservicestotec

3、hnology—basedsmallandmicroenterprises，whichisalsoaninevitablechoiceandhashugespacefortheirowndevelopment．2．Basedonthefieldsurveydataobtained,theanalysisofbasicsituationandfinancingstatusoftechnology-basedsmallandmicroenterprisesinHefeiaremade．Thefinancingcharacteristics

4、oftechnology-basedsmallandmicroenterprisesinHefeiareasfollows：(1)Theamountoffundingrequirementisrelativelysmall，，butisveryurgent．(2)Thefinancingperiodsaremainlyshort—terms．(3)Financingismainlyusedtosolvetheresearchanddevelopmentofnewproductsandnewmarket．(4)Bankcreditiss

5、tillthe‘firstchoicefortechnology—basedsmallandmicroenterprises’financing，but65％oftheenterprisesthinkthattherearedifficultiesthroughbankcreditfinancing．3．Accordingtothesurveydataobtained，anempiricalresearchtoexplorethecreditconstraintfactorsoftechnology—basedsmallandmicr

6、oenterprisesinHefeiismade．Thecreditconstraintfactorsthattechnology—basedsmallandmicroenterprisesfacedmainlyincludemacrofactors，bankfactorsandtheirownfactors．Intheexternalenvironmentfactors，theinsufficiencyofcreditpolicysupport，thetightmonetarypolicyofcentralbank，thecomp

7、lexityofbankcredit’Sprocedureandtheshortageofspecializedtechnology-basedbanksandproductsareobviousconstraintfactorsfortechnology·basedsmallandmicroenterprises’financing．Forenterprisesthemselves，theratiooftheirintangibleassets，thefinancialstandarddegree，thedurationtimean

8、dtheprofitabilitystatusallhaveimportantinfluencesonobtainingbankcredit．4．Throughtheanalysisoffinancingstatusan