科技型中小企业融资问题研究.doc

摘要：近几年来，科技型中小企业已经成为国民经济的重要组成部分，是我国经济转型的一个重点。而融资难问题则一直困扰着我国的中小企业，同样，科技型企业也不例外。企业融资的渠道有多种，但是随着经济的发展和科技型企业的不断增加，融资问题就显现出来了，企业运用不适合自己的融资渠道进行融资会影响企业的融资效果，担保体系的不完善会阻碍企业进行正常融资，政府对科技型企业的关注度不大，会使企业在融资上得不到更多优惠，民间借贷市场的壮大增加了科技型企业对资金的需求，但融资环境却影响了企业的前进，银行信贷作用直接关系着企业贷款的难易程度，企业自身的问题是根本性的，要完善优化这些融资问题，就必须要理论联系实际，从实际问题着手，提出有针对性的解决方案。

　　　本文以科技型中小企业为研究背景，主要利用国内外已有的研究成果，结合国内科技型中小企业的融资现状，分析江苏格美高科技发展有限公司的融资现状，提出该公司在融资上存在的问题，并针对问题提出完善公司融资难的有效对策。

关键词  内源融资；外源融资；债券；融资租赁

Abstract：Over the past few years, the technology-based SMEs have become an important part of the national economy, which is a focus of China's economic transformation. However, the financing problems have been greatly made China's SMEs puzzled and there is no exception for science and technology enterprises. There are a variety of corporate finance channels. However, with the increasing of economic development and scientific and technological enterprises, financing problems appeared. Some enterprises use channels for financing, which is not fit for his company will affect the effect of corporate finance. The faultiness of the guarantee system will greatly hinder the normal financing. Government neglects some science and technology enterprises, which makes the enterprise has no more favorable financing. The growth of the private lending market has increased the demand for science and technology enterprises. However, financing environment has affected the development of business. The function of the bank credit is directly related to the role of corporate loans. Enterprise's own problem is fundamental. In order to improve these financing problems, it is necessary to integrate theory with practice. Try best to proceed from the practical problems, and propose targeted solutions.

　　　This paper is researched under the background of SMEs. It mainly takes advantage of the existing research results at home and abroad. It analyzes the current financing situation of Jiangsu GMMEI high-tech Development Co., Ltd combined with the current financing situation of SMEs at home and abroad. So as to put forward the problems of the company, and propose effective countermeasures to improve the company’s financing difficulties. 

Keywords  Endogenous financing  Exogenous financing  Bonds  Financing lease