广州科技型小微企业融资状况调研报告

发布时间：2018-11-12 15:06

【摘要】：广州科技型小微企业有助于促进当地经济发展、提供更多的就业机会、维护社会稳定、推动相关的技术进步、促进制度的创新等方面发挥着不可替代的作用。然而企业受其自身规模以及整个大环境等影响,其信贷机会少,融资问题突出。广州科技型小微企业在融资问题上普遍存在很大的困难。为解决广州科技型小微企业融资难的问题,本文运用问卷调查法和数理统计法,重点研究广州科技型小微企业融资现状、问题、原因及对策。首先,重点调查了广州市海珠科技产业园,广州民营科技园,广州天河软件园,中国科协广州科技园,清华科技园广州创新基地等几大科技园区的科技型小微企业。包括融资成本、渠道、缺口和难易程度,其中还包括企业实现融资的担保问题。在调查中发现,广州科技型小微企业资金需求大,78.75%的企业表示一年内有过1—3次的借款;企业担保方式不足,企业在银行贷款中普遍存在抵押担保单一和不足,26.25%的企业没有任何担保;融资难度大,76.25%的科技型小微企业觉得融资的资金缺口较大,难度不小,约有八成以上的科技型小微企业面临着资金缺口的问题;融资渠道缺乏,51.25%的资金来源于自有资金;融资成本高,73.75%的科技型小微企业认为当前的融资成本比较高。根据调查的现状,本文分析出广州科技型小微企业融资存在企业资金缺口大,融资难,融资市场的规模不大,政府所能提供的支持太少、服务有限,专业机构对企业的服务不足等问题。本文利用数理统计法实证分析了广州科技型小微企业融资影响因素,认为影响科技型小微企业融资情况的原因分为内外两个方面,外因主要是政府扶持力度的不足,金融机构服务体系不完善,信用担保体系的缺陷,内部原因主要有企业财务制度不规范,企业管理水平比较差,企业没有足够的担保抵押物。基于上述原因和存在的问题,笔者认为政府必须要加大对小微企业的扶持力度,改善金融机构的服务体系,建立健全的信用担保体系,规范企业的财务管理制度,推行先进的企业管理方式,树立良好的企业信用形象等加强广州科技型小微企业融资的合理化对策。
[Abstract]:Guangzhou science and technology small and micro enterprises play an irreplaceable role in promoting local economic development, providing more employment opportunities, maintaining social stability, promoting related technological progress and promoting institutional innovation. However, affected by its own size and the whole environment, enterprises have less credit opportunities and outstanding financing problems. Guangzhou science and technology-based small and micro-enterprises generally have great difficulties in financing. In order to solve the problem of financing difficulty of Guangzhou science and technology small and micro enterprises, this paper focuses on the present situation, problems, causes and countermeasures of Guangzhou science and technology small and micro enterprises by means of questionnaire survey and mathematical statistics. First of all, focus on the investigation of Guangzhou Haizhu Science and Technology Park, Guangzhou Private Science and Technology Park, Guangzhou Tianhe Software Park, China Science and Technology Association Guangzhou Science and Technology Park, Qinghua Science and Technology Park Guangzhou innovation base, etc. Including financing costs, channels, gaps and degree of difficulty, including corporate financing guarantee. In the survey, Guangzhou science and technology small and micro enterprises have a large demand for funds, 78.75% of enterprises said that there have been 1-3 times of borrowing in one year; The enterprise guarantee way is insufficient, the enterprise generally exists the mortgage guarantee in the bank loan single and insufficient, 26.25% enterprise does not have any guarantee; The financing difficulty is big, 76.25% of the small science and technology microenterprises feel that the financing gap is big, the difficulty is not small, about 80% of the small and micro science and technology enterprises are faced with the problem of the financing gap; The lack of financing channels, 51.25% of the funds from their own funds, financing costs are high, 73.75% of small and technological microenterprises think that the current financing costs are relatively high. According to the status quo of the investigation, this paper analyzes that there is a large financing gap, difficulty in financing, a small scale of financing market, too little support and limited services for small and micro high-tech enterprises in Guangzhou. The professional organization to the enterprise's service insufficiency and so on question. This paper empirically analyzes the influencing factors of financing of Guangzhou science and technology small and micro enterprises by means of mathematical statistics, and points out that the reasons that affect the financing of science and technology small and micro enterprises can be divided into internal and external aspects, and the external causes are mainly the lack of government support. The financial institution service system is imperfect, the credit guarantee system is defective, the internal reasons are mainly the enterprise financial system is not standardized, the enterprise management level is relatively poor, the enterprise does not have enough guarantee collateral. Based on the above reasons and existing problems, the author thinks that the government must strengthen the support to small and micro enterprises, improve the service system of financial institutions, establish a sound credit guarantee system, and standardize the financial management system of enterprises. Promote advanced enterprise management, establish good enterprise credit image and strengthen the rationalization countermeasure of Guangzhou science and technology small and micro enterprise financing.
【学位授予单位】：广东财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F276.44;F832.4

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