High-tech Small And Mid-sized Enterprises Build Financing Platform Research

Science and technology are primary productive forces. But if the technology combines with production unfavorably,the productivity will not form, and can not led to the rapid economic development. That is why we need good combination of technology and production. The high-tech Small and Medium-sized Enterprises(high-tech SMEs) are emerging carriers, which enhance economic vitality and make a significant contribution to technological innovation.However, high-tech SMEs which provide the community with a large number of jobs and tax contribution have been facing difficulties in financing. It is a very embarrassing situation that is a large number of small and medium enterprises survive difficultly, and scientific research, personnel, patents, capital can not be effectively combined. In the crucial period of economic transition, there is an urgent need to build an effective financial services platform, to help the integration of technology and capital.In this paper, by analyzing the status of SME financing difficulties, personally I think the reasons that lead to high-tech SMEs financing insufficient due to inherent defects, deficiencies of financial service system and other external causes. Based on the summarization of some theories:Financial Growth Cycle Theory, Financial Control Theory and Credit Transaction Cost Theory, this paper proposed political recommendations.Through the learning experience of the U.S. financial innovation, we explore the suitable for China’s SME financial business innovation. Through the above analysis to make political recommendations and to propose to design the financing of SME financial system:Based on the Financial Growth Cycle Theory, phased analysis the need of long-term sources of funds; Based on the Financial Control Theory, put forward a sound system of commercial bank credit, the introduction of community banks, financial shares and other ways to provide short-term funds; Based on the Credit Transaction Cost Theory, necessary to improve the credit guarantee system, intellectual property protection system, and provides service support for the high-tech SMEs financing. Through this analysis, I wish to offer a few of ideas about the financing problems of high-tech SMEs.