Guangzhou Science And Technology Micro Enterprise Financing Condition Survey Report

Guangzhou science and technology small micro enterprises in promoting regional economic growth, increase employment, safeguard social fairness and stability,promoting technical progress, promote the system innovation plays an irreplaceable role. However, enterprise is influenced by its own size as well as the environment, the less chance of credit, financing problems. Guangzhou science and technology small micro enterprise universal existence a lot of difficulty in financing problems. To solve the problem of guangzhou science and technology small micro enterprise financing difficulties, this paper uses questionnaire survey method, mathematical statistics, the author focuses on guangzhou technology-based small micro enterprise financing present situation, problems, causes and countermeasures. First, focus on a survey of guangzhou haizhu technology industrial park, guangzhou private science and technology park, guangzhou tianhe software park, guangzhou science park of China association for science and technology, tsinghua science park, guangzhou innovation base and so on several big science and technology park of technology-based small micro enterprises. Including the enterprise guarantee way, ease of financing, the financing gap, the financing channels, financing costs, etc.Through the investigation and analysis, this paper shows that guangzhou technology-based small micro enterprise capital demand, 78.75% of companies said borrowing with 1-3 times a year; Assure means is insufficient, enterprise is common in the bank loan collateral single and the insufficiency, 26.25% of companies without any warranty; Financing difficulty is big, 76.25% of small micro enterprises think the difficulty of financing is larger; The funding gap is big, 51.25% of technology-based small micro enterprise faced with the funding gap problem; The lack of financing channel and 68.75% of the money from its own funds; Financing cost is high, 73.75%of small micro enterprises think the current financing cost is higher.According to the survey of the status quo, this paper analyzes the guangzhou science and technology small micro enterprise financing gap is big, financing difficulties, the small scale enterprise investment and financing market, the government funding small coverage, financing services provided by the government, financial institutions, such problems as insufficient service for enterprises.In this paper, using the mathematical statistics the empirical analysis of the guangzhou science and technology factors affecting small micro enterprise financing,internal and external factors are important influential factors of technology-based small micro enterprise financing, external reasons mainly include the lack of government support, financial institutions in the service system is not perfect, the defect of the credit guarantee system, the internal reasons mainly include the enterprise's financial system is not standard, enterprise management level, enterprises lack collateral.Based on the above guangzhou technology-based small micro enterprise financing problems and reasons, this article put forward to strengthen government support for enterprises, improve into the agency service system, establish a sound credit guarantee system, standardize enterprise financial management system, advanced enterprise management mode, set up good enterprise credit image such as strengthen the guangzhou science and technology small micro enterprise financing countermeasures and Suggestions.