Research On The Financing Status And Countermeasures Of Technology-based SMEs

Technology-based SMEs are the main force to promote the social and economic transformation and development of our country.In recent years,the state and local governments have strongly supported the development of science and technology innovation,while the conditions and environment for scientific and technological entrepreneurship have been further optimized.However,technology-based SMEs have still been facing many problems and challenges,one of them is that financing is difficult and expensive,which is the main bottleneck restricting the development of technology-based SMEs.The lack of fund support in the process of innovation will inevitably bring serious impacts on the subsequent technological innovation capacity and innovation work of the enterprise.So how could technology-based SMEs use their own features and advantages to achieve financing?What role should the government play in supporting the financing of technology-based SMEs?What should financial institutions do to provide innovative financial products,according to the characteristics of technology-based enterprises?The investigation and research on these problems have obtained the conclusions and viewpoints of this paper.Based on the evaluation system of technology-based SMEs in Hubei warehousing enterprises as samples,this paper analyzes the current situation of the development of technology-based SMEs,sums up the enterprise characters,such as light-asset running,spending much on R&D,paying attention to technology and talent,low enterprise stability characteristic.Meanwhile,it introduce the development of science and technology credit,insurance and venture capital in Hubei,which can provide reference for SMEs in Hubei.From the money demanding,money supplying and the policy environment three ways,this paper analyze the comprehensive reasons why small and medium-sized enterprises face financing difficulties,including the internal reason such as asset-light operation and invalid financial management system,and the external reasons like lacking of market construction.Based on these reasons and connected with the domestic and foreign advanced experience,it put forward advices to build more perfect credit evaluation system of technology-based SMEs,strengthen the construction of financing market environment and bring out innovative financial products to meet the financing needs of technology-based SMEs.