The Research On Financial Services System Construction Of Zhuzhou GECKOR

High-tech SMEs financing difficulties are universal phenomenon.The main reasons caused this phenomenon are as following after studied:lack of credit information about technology enterprises,information asymmetry between enterprises and capital holders,the matching of income and risk of banks and the underdeveloped venture capital market,etc.Zhuzhou GECKOR park in study of this article refers to the industrial park development operation by zhuzhou hi-tech group.In order to solve the above problem,this paper proposed to create a financial services system for High Tech SEMs in the Zhuzhou GECKOR.In the paper,based on the research of domestic and foreign theory,analyzed the internal and external environment of the the industrial park managed by Zhuzhou GECKOR,investigated the financing mode and the reasons of financing difficulties via questionnaires for the staffs of financial services enterprises and SMEs,studied the good development experience of technology bank,according to the features of Zhuzhou GECKOR,an overall lidea regarding to establishing the own financial services system of GECKOR to serve SMEs in the industry park is proposed.What' smore,the details of business processes reconstruction,financing patterns innovation,matching the financial products to different life cycle stage customers and the financing mechanism of taking advantage of high-tech SEMs information platform to improve the efficiency are studied;the executive measures are suggested as well.In a word,hope those studies and suggestion to elevate the financial services to higher level.Finally,put forward in this article is working with Banks to build the financial service system of science and technology sunder the current system of expediency.if you want to become a successful technology like silicon valley bank financial service mode.Also need to consider complete chain of financial service system.build small loan companies for High-tech SMEs,Guarantee company.developed in conformity with the practical situation of High-tech SMEs in the park more perfect financial service system for High-tech SMEs.