科技型中小企业融资平台构建研究

发布时间：2018-01-23 23:44

本文关键词： 科技型中小企业金融成长周期理论金融抑制理论信贷交易成本理论　出处：《财政部财政科学研究所》2013年硕士论文　论文类型：学位论文

【摘要】：科学技术是第一生产力,但如果科技与生产结合不好,生产力就形不成,也带动不起经济的飞速发展,这就需要做好科技和生产的结合。科技型中小企业正是其新兴的载体,带动经济的活力,为技术创新做出巨大贡献。然而为社会提供大量就业岗位和税收贡献的科技型中小企业却一直面临着融资难的尴尬处境,大量中小企业生存困难,科研、人才、专利、资本不能有效结合。在经济转型的攻坚时期,急需构建一个有效的金融服务平台,来帮助科技和资本的结合。本文通过分析科技型中小企业融资难的现状,认为科技型中小企业由于自身固有缺陷和金融服务体系制度缺陷等外部原因导致其融资困难。综述相关理论基础上：金融成长周期理论、金融抑制理论、信贷交易成本理论,为本文政策建议的提出提供了理论分析依据。通过学习美国的经验,探索出适合我国的科技型中小企业金融业务创新,提出科技型中小企业金融融资制度设计：根据金融成长周期理论,分阶段分析企业长期成长所需资金来源；根据金融抑制理论,提出完善商业银行信贷制度、引入社区银行、中小企业私募债、集合债等方式；根据信贷交易成本理论,有必要完善信用担保制度、知识产权保护制度,为科技型中小企业融资提供服务性支持。希望通过本文的分析,为帮助解决科技型中小企业融资难题提供一点思路。
[Abstract]:Science and technology are the primary productive forces, but if the combination of science and technology and production is not good, productivity will not become, nor can the rapid development of the economy. It is necessary to combine science and technology with production. Science and technology small and medium-sized enterprises (SMEs) are just their new carriers, driving economic vitality and making great contributions to technological innovation. However, science and technology SMEs, which provide a large number of jobs and tax contributions to the society, have always been faced with the awkward situation of financing difficulties, a large number of SMEs difficult to survive, scientific research, talent, patents. In the period of economic transformation, it is urgent to construct an effective financial service platform to help the combination of technology and capital. This paper analyzes the current situation of financing difficulties for small and medium-sized technology-based enterprises. It is considered that the financing difficulties of SMEs are due to their inherent defects and financial service system defects. Based on the review of relevant theories: financial growth cycle theory, financial suppression theory. The theory of credit transaction cost provides a theoretical basis for the policy recommendations of this paper. By studying the experience of the United States, this paper explores the innovation of the financial business of scientific and technological small and medium-sized enterprises suitable for our country. According to the theory of financial growth cycle, the paper analyzes the sources of funds needed for the long-term growth of enterprises in stages; According to the theory of financial suppression, this paper puts forward the ways of perfecting the credit system of commercial banks, introducing community banks, private debt of small and medium-sized enterprises, aggregate debt and so on. According to the credit transaction cost theory, it is necessary to improve the credit guarantee system, intellectual property protection system, to provide service support for the financing of small and medium-sized technology-based enterprises. In order to help solve the financing problems of small and medium-sized technology-oriented enterprises to provide some ideas.
【学位授予单位】：财政部财政科学研究所
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F276.44

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