基于动产融资的创新型中小企业融资模式分析

发布时间：2018-06-06 19:55

本文选题：创新型中小企业 + 动产融资　；参考：《现代管理科学》2017年09期

【摘要】：创新型中小企业是中国实现创新发展的最为活跃的主体,也是中国形成国际竞争新优势的重要力量。然而,融资难成为制约中国创新型中小企业持续健康发展的重要问题。动产融资模式可以帮助创新型中小企业盘活资产、解决融资难题,成为破解资金瓶颈的重要方式。知识产权融资、应收账款融资和存货质押融资是最为主要的方式。近年来,由于全国统一登记平台缺失、法律保障机制不健全、机构风险管理水平较低等原因,仍存在动产担保资源大量闲置与融资困难并存的难题。发展动产融资是一个复杂的系统性工程。因此,建立统一登记制度、健全担保法律制度、加强引导及政策支持、提升风险管理水平,成为创新型中小企业动产融资健康发展的必要前提。
[Abstract]:Innovative small and medium-sized enterprises (SMEs) are the most active main body of China's innovation and development, and also the important force for China to form new international competitive advantages. However, the difficulty of financing has become an important problem restricting the sustainable and healthy development of Chinese small and medium-sized enterprises. Movable property financing mode can help innovative small and medium-sized enterprises to activate assets, solve financing problems, and become an important way to solve the capital bottleneck. Intellectual property financing, accounts receivable financing and inventory pledge financing are the most important ways. In recent years, due to the lack of unified registration platform, imperfect legal protection mechanism and low level of risk management, there are still a lot of idle chattel guarantee resources and difficulties in financing. The development of movable property financing is a complex systematic project. Therefore, to establish a unified registration system, perfect the legal system of guarantee, strengthen guidance and policy support, and improve the level of risk management, become the necessary prerequisite for the healthy development of movable property financing of innovative small and medium-sized enterprises.
【作者单位】：中国人民大学财政金融学院;中国人民大学国际货币研究所;中国人民大学重阳金融研究院;河北大学管理学院;
【基金】：中国人民大学科学研究基金(中央高校基本科研业务费专项资金资助)项目(项目号:17XNH005)
【分类号】：F275;F276.3

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