| Currently, financing difficulties is generally faced with the urgent problem of our country, especially the financing difficulties of high-tech small and micro enterprises. Because of the high-tech small and micro enterprises is the important role of innovation, transformation and employment in our country, it is very significant that study the financing difficulties of high-tech small and micro enterprises. How to resolve the financing problems of high-tech small micro-enterprise, this paper seeks the way of development from three angles of government, banks, enterprises.In this paper, the economic theory is the basis such as credit allocation, information asymmetry and life cycle of enterprises, using for reference research results of home and abroad, drawing on the high-tech small and micro enterprises in Xi’an High-tech Zone as the research object, using the research methods of standardized statistical and empirical analysis, this paper analyzed the financing factors of Xi’an high-tech small and micro enterprises by factor analysis of principal component. Analysts believe that restricting the financing of high-tech small and micro enterprises mainly is the following four points:First, the core competitiveness of enterprises is relatively weak, due to the financial management is not scientific, poor profitability, repayment awareness is weak, leading to increase the risk of corporate lending, difficult to obtain loans. Second, business investment in technology innovation is insufficient, due to the lack of talent poor in high-quality and high-tech, poor technological innovation capability, leading to companies can’t long-term develop, worsen the problem of financing. Third, the lack of loans mortgage, due to the company have mainly intangible assets and intellectual property, the lack of tangible assets as bank loan collateral required, leading to difficult to obtain bank loans. Fourth, narrow channels of financing, due to the lack of financial institution designed for the high-tech small and micro enterprises, capital markets have high barriers and entry-level single, slow development of private finance, high borrowing costs, leading to the narrow financing channels for enterprises. Structure of the article:Chapter Ⅰ: Introduction, high-tech small and micro enterprises in the background and purpose do a comprehensive analysis, research methods and procedures in this article, outlining the innovatfens of this study. Chapter Ⅱ:Theoretical review, by analyzing the results of previous the paper studies on high-tech small and micro enterprise financing problems, as a basis for research purposes and extracted the basic work of this article. Chapter Ⅲ:Researched the development of high-tech small and micro enterprises in Xi’an, and this paper elaborated its financing survey. Chapter Ⅳ:Empirical analysis, it is the focus of this research. (1) Elaborated on the basic situation of the survey, on the basis of statistical science and technology, this paper analyzed the basic characteristics, practices and operations of small and micro enterprises. (2) On the basis of the data of survey and analysis, this paper explored the difficulty of financing and situation of shortage funds about the small and micro enterprises in Xi’an high-tech, and high-tech small and micro businesses affected degree financing. Using SPSS analysis tools, this paper studied the main factors causing the financing difficulties of the high-tech small and micro enterprise from different angles by principal components analysis, and finally explored the impact of the root causes of high-tech small and micro enterprises financing. Chapter V: With the above analysis, this paper absorbed domestic and foreign scholars that have favorable experience with financing of small and micro enterprises in scientific and technobgical research, the paper proposed practical countermeasures to help the Xi’an high-tech small and micro enterprises to solve the financing problem. Chapter VI:Conclusion. |
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