促进我国医疗器械中小企业融资的政策研究

发布时间：2018-06-27 15:25

本文选题：医疗器械 + 中小企业　；参考：《北京协和医学院》2012年硕士论文

【摘要】：医疗器械是现代临床诊疗、疾病预防与康复中不可替代的重要基础装备,其不断发展对保健康复和临床诊治水平的提高具有重要意义。但是,应作为医疗器械活跃创新主体的医疗器械中小企业目前多数存在融资困难。近几年,国家出台了一系列促进中小企业融资的措施,但医疗器械中小企业的融资问题依然严峻。金融资本与医疗器械科技的结合将有力推动我国医疗器械产业的发展,在缓解百姓“看病贵”问题的同时,带动国民经济的增长。因此,探讨促进我国医疗器械中小企业融资的政策具有现实意义。本文综合运用了文献调研、知情者访谈以及对比、归纳等情报学基本方法,梳理了我国医疗器械中小企业融资的政策和现状,总结了美国、日本医疗器械中小企业融资的经验,在此基础上分析我国医疗器械中小企业融资过程存在的问题,最后提出了改善我国医疗器械中小企业融资环境、推动金融与医疗器械科技结合的政策建议。我国医疗器械中小企业融资困难缘于：中小企业法律不完备,配套措施不完善；现有政策对银行贷款的激励不足；多层次资本市场不健全；医疗器械风险投资发展不畅；缺乏中小企业政策性金融机构,政策性资金短缺；信用担保风险共担机制不合理,再担保发展缓慢；财税政策的支持力度小；医疗器械中小企业规模小、有形资产少,创新环境不佳、创新力不强。针对以上问题,本文借鉴国外经验,提出以下几点建议：加快制定中小企业融资法律,完善配套措施；增加中小企业贷款资金,对银行实行税收累进,完善征信、授信；修改创业板标准,规范场外交易市场；建立专门的政策性金融机构；完善中小企业信用担保体系；调整当前财税政策；改善医疗器械中小企业创新环境。
[Abstract]:Medical equipment is an important basic equipment in modern clinical diagnosis, disease prevention and rehabilitation. The continuous development of medical equipment is of great significance to the improvement of health care and clinical diagnosis and treatment. However, most of the medical instruments which should be active and innovative as the main body of medical equipment have difficulty in financing. A series of measures to promote the financing of small and medium-sized enterprises, but the financing problem of small and medium-sized medical devices is still grim.
The combination of financial capital and medical equipment technology will vigorously promote the development of the medical equipment industry in China, and promote the growth of the national economy at the same time. Therefore, it is of practical significance to explore the policy of promoting the financing of small and medium-sized medical instruments in China.
In this paper, the basic methods of information science, such as literature survey, insider interview, comparison and induction, are used to summarize the financing policies and status of small and medium enterprises in China, and summarize the financing experience of the small and medium enterprises in the United States and Japan. On this basis, the problems in the financing process of the small and medium-sized medical instruments in China are analyzed. Finally, the policy recommendations for improving the financing environment of medical device SMEs and promoting the integration of Finance and medical device technology are put forward.
The financing difficulties of small and medium sized enterprises in China are due to the lack of complete law of small and medium-sized enterprises, imperfect supporting measures, inadequate incentive to bank loans by existing policies, imperfect capital markets, poor development of risk investment for medical instruments, lack of policy financial institutions for small and medium enterprises, shortage of policy funds, and credit guarantee wind The mechanism of the risk sharing is unreasonable, the security development is slow, the support of the fiscal and tax policy is small, the size of the small and medium enterprises of medical instruments is small, the tangible assets are small, the innovation environment is not good, and the innovation is not strong.
In view of the above problems, the following suggestions are put forward for reference: to speed up the formulation of the financing laws of small and medium-sized enterprises, to improve the supporting measures, to increase the loan funds for small and medium-sized enterprises, to carry out the tax progressive of the banks, to improve the credit and credit, to modify the standard of the gem, to standardize the market for the outside field, and to establish a special policy financial institution; We should improve the credit guarantee system of small and medium-sized enterprises, adjust the current fiscal and taxation policies, and improve the innovation environment of small and medium-sized medical devices.
【学位授予单位】：北京协和医学院
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F426.4;F832.4

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