Research On Credit Innovation Model Of Small And Medium Enterprises With Technology

The development experience of Western developed countries shows that science and technology are the cornerstones of the country's national strength,economy,and people's living standards.Only by mastering more advanced science and technology can we seek better development prospects.Therefore,the level of science and technology is to evaluate the national strength of a country.Key factor.The most representative cases are the current R&D companies with advanced technology in the Silicon Valley of the United States.They were early-stage technology-based SMEs.Through the continuous efforts of the company's technical staff and the support of the country,they gradually grew to become major players in the industry.The company plays an important role in the development of science and technology in the United States.In order to further promote the development of China's science and technology SMEs and further promote the development of relevant domestic technologies,the state has increased its support for some of the country's SME policies at this stage,and has further opened up the credit policies of relevant financial institutions for these enterprises.This significantly reduces the difficulty of financing this type of business in the business process.Since the relevant domestic credit market is in the initial stage of development at the current stage,it is also due to the fact that some small and medium-sized SMEs are relatively unstable and investment risks are relatively large.Therefore,the current credit issue for this type of enterprise is still more difficult.At present,the research on the credit innovation model of domestic enterprises in the relevant academic circles is more about the research on financing,credit models,and credit products of some large-scale enterprises or state-owned enterprises,and it has been developed rapidly for some small and medium-sized enterprises,especially in recent years.There is less research on SMEs that contribute to the country's economic development.Therefore,on this basis,this article analyzes and discusses the credit innovation model for SMEs,and points out the current deficiencies in the credit model and the available solutions,aiming to guide the future related credit models and credit products.The role has a certain theoretical significance.As an important part of SMEs,technology-based SMEs play a decisive role both in promoting national economic and social development and in examining the effect of improving supply chain competitiveness based on the industrial chain economy.For many enterprises of this type,due to the nature of their businesses,it is decided that a large amount of capital investment will be required in the early stage of establishment.It is extremely urgent to solve the problem of credit financing for SMEs.In recent years,with the rapid development of the securities market and the insurance market and the deepening of financial disintermediation,the traditional business model of relying on government and large enterprises by financial institutions has been severely impacted.Therefore,the high-quality customer group of technology-based small and medium-sized enterprises is commercial banks.Other financial institutions have provided a new opportunity for transformation and become an important resource for competition among financial institutions in the future.Therefore,through financial innovation,changing the current status of high-tech SMEs with high financing thresholds,high costs,and narrow channels,so as to solve the imbalance of supply and demand of financial services for SMEs,has a strong practicality.This paper focuses on the issue of scientific and technological innovation model for small and medium-sized enterprises' credit,and takes the example of Bank A of Suzhou Bank.First,it elaborates the research background,significance,research status at home and abroad,gives research contents and methods,and analyzes the main innovation points.Secondly,define the concept of science and technology SMEs,study the value and development bottleneck of SMEs,and point out the financing difficulties of SMEs,analyze the financing difficulties from enterprises,guarantee agencies,banks and other aspects.Then,the paper analyzes and analyzes the innovation status of the A-Bank's Suzhou Branch's branch loan-to-business model,and analyzes the major problems existing in the A-Bank's Suzhou Branch's innovation of credit models for technology-based SMEs.Then,from the perspective of the lack of qualification of SMEs,the information asymmetry between banks and technology-based SMEs,the unsound credit guarantee system,and the incompleteness of the external environment,the Bank analyzed the credit model innovation of S-Bank's Suzhou Branch for SMEs.The reason for the problem.Fifth,the domestic bridge and tunnel financing model,transactional credit model,relational credit model,and online credit financing model are analyzed to study the external experience of the credit model innovation for SMEs.Sixth,from the aspects of macro-system guarantees and micro-countermeasures,the bank proposed a strategy for the implementation of model innovation in the A Bank's Suzhou Branch.