Research On Financing Problems Of Small And Micro Enterprises With Science And Technology

The party’s eighteen major report clearly pointed out, to support the development of small and micro enterprises, especially small and micro enterprises in science and technology development". China to promote the development of small and micro enterprises listed as the focus of development planning. But due to the small and micro enterprise scale Co., small and micro enterprises in the start-up period and the growth period, the demand for funds to far greater than other aspects of demand, financing, financing expensive becomes small and micro enterprise development the primary factor restricting. Science and technology small and micro enterprises with a small scale, less capital, high risk, large proportion of intangible assets and other characteristics, determines its product research and development, enterprise management, market development needs a lot of money. Although our country has made the relevant supporting policies, but to support the object more emphasis on the strength of strong enterprises, due to the policy implementation is not in place, the handling of many departments, the approval process is complex, is thought to be in the implementation of the policy is not idealised. So it is very important to study the influence factors and Strategies of small and micro enterprises’ financing in our country.This article mainly from the science and technology Small and micro businesses financing point of view, in the definition of Small and micro businesses, including foreign small and micro enterprises and domestic standards for small and micro enterprises standard; science and technology Small and micro businesses the meaning of science and technology; Small and micro businesses narrow funding sources, small scale, high quality of personnel, effectiveness strong and high sensitivity; the basic concept of financing; China’s science and technology Small and micro businesses development; based on the basic theory of science and technology in developed countries Small and micro businesses financing service system, the representative of science and technology in developed countries Small and micro businesses and service system are analyzed, the science and technology Small and micro businesses the financing research conducted a comprehensive summary of the questionnaire and interviews, and a more detailed analysis of the national environmental policy support is not enough; science and technology Small and micro businesses in the business Bank loans to certain obstacles; technology small and micro enterprises direct financing channels access conditions high; enterprise internal management system is not standardized; enterprise credit awareness is poor, and other existing problems. On the basis of this, put forward to build a strong policy environment; broaden the financing channels for the feasibility; increase of banking financial institutions in the management and operation of the efforts and pay attention to the development of the science and technology of small and micro enterprises itself corresponding strategy.