Research On The Cloud-Financing Pattern Of Technological And Scientific SME

Scientific and technological SME are the main force of national innovation and an important source of economic growth, and its healthy development has the vital significance to the stability of national economy system operation and harmonious development of society. Technology innovation is the soul of scientific and technological SME. And scientific and technological innovation activities which are carried out smoothly need a lot of funds, nevertheless, difficult financing problems because of its characteristic of "fewer physical assets, higher growth risks are faced by all the parts of world. How to solve the financing difficulties of scientific and technological SME are becoming a hot topic in the fields of academy and practice. Domestic and foreign scholars have put forward many constructive recommendations to resolve the financing dilemma, such as the establishment of professional technology bank, the establishment of a multilevel capital market, but these methods have limitations, and more open, innovative ideas are required.The cloud innovation model is more open innovation mode which adapts to the characteristics of Internet. In the global world, through various forms, easy expansive network platforms, make decentralized, massive innovation resources together, the cloud innovation is forming a standardized innovation community which represents collective wisdom to furnish the "source of nutrition" of the sustainable development for the enterprises, community and individuals. Scientific and technological SME can use the cloud the innovative ideas in the global world to broaden the financing channels for development funds. In addition, the Internet finance has penetrated into people’s daily life at present, which is the combination of Internet and the financial services industry in depth, and the subversion of the traditional financial business. Modern information technology of search engines, social networking, cloud computing and big data has effectively resolved the degree of information asymmetry over the capital traders, reduced risk sharing cost. The Internet financing model furnishes a new idea for scientific and technological SME to broaden the financing channels and reduce the financing cost. Therefore, under the background of rapid development of Internet financing, this article is exploring the innovative financing pattern of scientific and technological SME based on that cloud innovation which has a more open, democratic, innovation characteristics of low cost and high efficiency to provide theoretical basis and reference for solving the financing problems of Chinese scientific and technological SME.According to the above-mentioned research ideas, the main contents of this paper are as follows:First, Building and analysis of characteristics of cloud financing pattern for the scientific and technological SME. The cloud financing pattern for the scientific and technological SME is constructed on the basis of the present status and the cause of financing difficulty, expensive financing and the existing literature, and then the characteristics of cloud financing is analyzed.Second, Analysis of involved elements of cloud financing pattern. This chapter analyzes the agent elements, circulation elements and environmental elements of the cloud financing pattern, and then identifies the elements of cloud financing pattern by using factor analysis, AHP and other statistical methods.Third, Analysis of operation mechanism of the scientific and technological SME’ cloud financing. Systematically the key operating mechanisms of cloud financing of technology-based SME are analyzed.Fourth, Simulation of cloud financing of scientific and technological SME. Using the multi-agent modeling method, this chapter tries to construct the simulation model of cloud financing for the scientific and technological SME, simulates the dynamic evolution process of the cloud financing.Fifth, Study on countermeasures of cloud and financing mode of the cloud financing mode of the scientific and technological SME. From the perspective of participant, this chapter explains how to implement the cloud financing mode efficiently and safely in order to solve the status of difficult and expensive financing for the scientific and technological SME.This paper draws the following conclusions:First, the cloud financing mode of the scientific and technological SME is a kind of innovation mode of financing from the perspective of cloud innovation theory and overall fusion of the Internet and traditional industry. he cloud financing mode of the scientific and technological SME is a kind of financing mode with the characteristics of low cost and high efficiency. This kind of financing mode can ease the information asymmetry between the financing participants and resolves the unbalance of both risk and income, and forms a win-win ecological circle for all the participants. To a certain extent, the cloud-financing pattern can solve difficult and expansive financing.Second, Multi-agents and elements are involved in the cloud financing mode of the scientific and technological SME, which includes agent:the fund-demanding agent, the commercial funds-providing agent, the funds-supporting agent, intermediary service agents; circulation elements:capital, information, services and environmental elements:government supporting environment, the legal construction environment, innovation culture environment, the social credit environment. At the same time, its key operating mechanisms are as follows:mechanism of Micro-study, mechanism of dynamic operation, mechanism of benefits orientation, mechanism of coordination, mechanism of credit cooperation, mechanism of risk sharing and mechanism of interactive Selection.Third, according to the analysis of involved elements, operating mechanisms and the simulation results of the cloud financing for the scientific and technological SME, by implementing the policy support and the role of legal supervision of the government, improving the level of innovation of the scientific and technological SME, increasing the supervision of the fund-providing agents, improving intermediary service level, strengthening the interactions between agents and the improvement of financial ecological environment, the efficient operation of cloud financing model can be guaranteed to solve the financing difficulties of the scientific and technological SME.The main innovative points of this paper are summarized as follows:First, the paper explores the innovation of financing model of technology-based SME from the perspective of cloud innovation theory, concludes that Internet as the cloud financing from the perspective of cloud innovation can solve the problems of asymmetric information, the unbalance of both risk and income of traditional financing to a certain extent in order to obtain high efficiency, low cost of funds, which can solve the financing difficulty problems of the scientific and technological SME. Such kind of financing mode breaks through the limitations of the times on the traditional mode of financing theory, furnishes supplement on the corporate financing theory.Second, the cloud financing pattern of the scientific and technological SME clearly defines the role and status of all the participation, explains the various operating mechanism of financing innovation model in details, illustrates the intrinsic mechanism on the financing activities for the scientific and technological SME by using scientific simulation modeling method, provides resolution in order to solve the problems of difficult and expansive financing for the scientific and technological SME, which has certain practical significance.Third, the cloud financing pattern for the scientific and technological SME is put forward on time when the government has been developing the Internet financing vigorously, make the Internet financing truly serve the real economy, realizes the benign interaction between virtual economy and real economy, have epoch-making significance in practice to the national development of Internet financing. At the same time, the theory of cloud financing mode has some reference value for the government to deepen financial reform.