Research On The Construction Of Financing Credit Evaluation System Of High-Tech Small And Medium Enterprises

Today, High-tech Small and Medium enterprises (SMEs) have been important forces which could promote industrial structure, new industry, employment channels, and the development of economy, which have been increasingly important in national economy. However, with the lack of perfect financing system for High-tech SMEs in our country, difficulty of financing has been one of main bottleneck for the survival and development of High-tech SMEs. The unreasonableness and nonobjectivity of financing credit evaluation system are two main factors that lead financing problems for High-tech SMEs at present. Therefore, it is a pressing need to research and construct financing credit evaluation system which could fit with the character of High-tech SMEs and reflect their credit status for deepening the financing mechanism of High-tech SMEs. This paper briefly summed up the relevant concepts and the major theories in financing credit evaluation system of High-tech SMEs, analyzed and discussed the current situation of financing of High-tech SMEs, and pointed out the main problems in the process, with the emphasis on the construction of the financing credit evaluation system. Based on these, the case of Shenzhen DZ Science & Technology Stock Co. was given as an empirical analysis in this paper at last.This study has not only been a positive significance for promoting healthy and orderly development of High-tech SMEs, but also a practical significance for reducing investment risk of banks and guarantee agencies and developing a rational capital market. Besides, there is an important significance for improving the credit financing capability and the market competition level of High-tech SMEs.