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)Bankcreditisthemostpracticalwaytosolvethefinancingdifficultiesfortechnology．bas

2、edsmallandmicroenterprises．(2)Thecharacteristicsoftechnology．basedsmallandmicroenterprisesthemselvesandthetraditionalcreditmechanismofcommercialbanksarethemaincausesoftheirfinancingdifficulties．(3)Commercialbankshavecertainadvantagesinprovidingservicestotechnology—basedsmallandmicro

3、enterprises，whichisalsoaninevitablechoiceandhashugespacefortheirowndevelopment．2．Basedonthefieldsurveydataobtained,theanalysisofbasicsituationandfinancingstatusoftechnology-basedsmallandmicroenterprisesinHefeiaremade．Thefinancingcharacteristicsoftechnology-basedsmallandmicroenterpri

4、sesinHefeiareasfollows：(1)Theamountoffundingrequirementisrelativelysmall，，butisveryurgent．(2)Thefinancingperiodsaremainlyshort—terms．(3)Financingismainlyusedtosolvetheresearchanddevelopmentofnewproductsandnewmarket．(4)Bankcreditisstillthe‘firstchoicefortechnology—basedsmallandmicroe

5、nterprises’financing，but65％oftheenterprisesthinkthattherearedifficultiesthroughbankcreditfinancing．3．Accordingtothesurveydataobtained，anempiricalresearchtoexplorethecreditconstraintfactorsoftechnology—basedsmallandmicroenterprisesinHefeiismade．Thecreditconstraintfactorsthattechnolog

6、y—basedsmallandmicroenterprisesfacedmainlyincludemacrofactors，bankfactorsandtheirownfactors．Intheexternalenvironmentfactors，theinsufficiencyofcreditpolicysupport，thetightmonetarypolicyofcentralbank，thecomplexityofbankcredit’Sprocedureandtheshortageofspecializedtechnology-basedbanksa

7、ndproductsareobviousconstraintfactorsfortechnology·basedsmallandmicroenterprises’financing．Forenterprisesthemselves，theratiooftheirintangibleassets，thefinancialstandarddegree，thedurationtimeandtheprofitabilitystatusallhaveimportantinfluencesonobtainingbankcredit．4．Throughtheanalysis

8、offinancingstatusan