科技型中小企业民间融资渠道的拓展——复合联保融资模式的构建

发布时间：2018-03-11 10:46

本文选题：科技型中小企业　切入点：民间融资　出处：《企业经济》2017年11期 　论文类型：期刊论文

【摘要】：我国充足的民间资本供给未能有效满足科技型中小企业强烈的融资需求,资金流入渠道不畅是其主要原因。本文以疏通融资渠道为目的,融入互联网金融,构建了民间资本流入科技型中小企业的复合联保融资模式;从信息对称、信用保障、风险控制和社会监督与惩罚等方面进一步分析了该模式的运作机制。认为该模式能够有效提升科技型中小企业的资信水平,增强民间投资者投资意愿并完善信用担保体系;融入互联网金融可以减少多方主体间的信息失衡,激活民间资金的流动性,缓解科技型中小企业融资约束。最后,针对复合联保融资模式在实践中的顺利推进和运行,提出了可操作的对策与建议。
[Abstract]:The supply of sufficient private capital in our country can not meet the strong financing demand of small and medium-sized technological enterprises effectively. The main reason is that the channel of capital inflow is not smooth. In this paper, we set up a complex UNPROFOR financing model in which private capital flows into small and medium-sized scientific and technological enterprises, from the aspects of information symmetry, credit guarantee, The operating mechanism of the model is further analyzed in the aspects of risk control and social supervision and punishment. It is considered that the model can effectively enhance the credit level of small and medium-sized scientific and technological enterprises, enhance the investment willingness of private investors and improve the credit guarantee system. Integration into Internet finance can reduce the information imbalance among various parties, activate the liquidity of private funds, and ease the financing constraints of small and medium-sized technological enterprises. Finally, aiming at the smooth promotion and operation of the compound UNPROFOR financing model in practice, The operational countermeasures and suggestions are put forward.
【作者单位】：河北工业大学经济管理学院;河北地质大学会计学院;
【基金】：河北省社会科学基金“创新河北省科技型中小企业外源融资渠道的对策研究”(项目编号:15YJ099) 天津市哲学社会科学基金“中小企业政策性融资担保运行效率提升研究”(项目编号:TJYY15-005)
【分类号】：F276.3;F832.4

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