The Research Of Risk Management Of Finance Platform For Medium And Small Technology Firms In Changchun

With the deepening of reform, science and technology enterprise development, especially the development of private scientific and technological enterprises by leaps and bounds. It becomes the most active factor in the current economic development gradually. But the lack of fund of small and medium private enterprises has a direct impact on new product development and transformation, is not conducive to the development of the enterprise itself is not conducive to social and economic development. In response to the statement of the Premier Li Keqiang, many local governments have introduced the policy to support small and medium-sized science and technology enterprises. However, due to the limited government financial resources, the lack of experience in the management of financing platform, small and medium-sized private scientific and technological enterprise financing difficult problem has not been fundamentally resolved. For a long time, experts and scholars have a lot of discussion for the financing difficulties of small and medium-sized private enterprises. The government also has taken some measures. They establish some financing platforms. But due to poor management, the government support small and medium-sized private scientific and technological enterprises have the prospect of good wishes of the financing projects did not achieve the desired results. Therefore, in order to strengthen the government’s management of the financing platform and establish a set for small and medium private technology enterprises financing platform for the risk control mechanism has very important practical significance to support the development of small and medium-sized private enterprises in science and technology.Through the analysis of the financing status and financing platform, the conclusion is that the majority of small and medium-sized private enterprises need platform financing. And the reason of existing platform is not conducive to the corresponding service is the lack of clear support for small and medium-sized private enterprises in science and technology policy. From the perspective of the government, it is recommended that the government strengthen the management of the platform: First, develop technical services, management consulting, and preferential policies, so as to improve the ability of private technology enterprises financing. Secondly, play the role of government guidance and leading platform, to encourage the platform for small and medium private technology enterprise financing through the interest oriented subsidies. From the perspective of the platform, the first thing is to innovate the platform lending Model. It is suggested that the platform should be focused on financing. The financing risk assessment and loan management mechanism should be set up specifically for small and medium private technology enterprises. Finally, innovate the management, such as the establishment of partner access mechanism, the establishment of scientific risk assessment and loan risk assessment.Risk assessment before financing is the most important part of risk control. Through the identification of small private technology enterprises financing risk factors, the expert evaluation method design includes seven aspects of risk factor evaluation index system. The index fully considers the characteristics of small and medium-sized enterprises, and focus on the project conforms to the national science and technology planning, technology innovation, management risk and financial risk, which national policy support index identified as indicators for the veto. Method to evaluate the result namely, normalization, and keep the indicators of the evaluation results, in order to avoid a great risk was concealed.Due to the lack of the practice of the research cycle and small private technology enterprises financing platform, a private scientific and technological enterprise risk evaluation and control measures need to perfect in the practice. The proposal for the periodic tracking loans and how to operate need further study. The problems of credit evaluation and the corresponding credit records of information of late repayment needed to be explored.The platform for financing services for small and medium private scientific and technological enterprise management mode and risk control measures is the innovation of this paper, not only to fill the blank of the research in this field. The government encourages innovation and management platform for the company, financing platform financing service innovation has an important reference value.