Research On Financial Service Promotion Of Technology-based Small And Micro Enterprises

With the constant development of our economy and the transformation and upgrading of economic structure,small enterprises and micro-enterprises,especially technology-based small and micro enterprises have grown to become important forces for the sustained growth of our national economy.Technology-based small and micro enterprises play a key role in enhancing industrial competitiveness,accelerating the liberation of scientific and technological forces and the reform of science and technology system,and in promoting innovation in science and technology and employment.As a vanguard of innovation in small-scale enterprises and micro-enterprises in China,science and technology-based small and micro enterprises are also active in the modern economy with their own unique creativity and growth and become a new force not to be underestimated.Technology-based small and micro enterprises have innate advantages in the mechanism and efficiency of scientific and technological innovation.They have a positive strategic significance for the development of science and technology in our country and the improvement of their innovative capabilities.They are also important for the sustainable and healthy development of our economy power.Because of the low risk appetite of commercial banks,the inadequate government investment and policy protection in our country,the objective reasons for the construction of China's credit system to be constructed and so on,it is difficult for technology-based small and micro enterprises to obtain financial services suitable for their development.How commercial banks improve their financial services to technology-based small and micro enterprises has become a subject worth studying.How to improve the financial service to technology-based micro enterprises is a topic deserved to study.This paper reviews the current research of financial services domestically and abroad.It defines the concepts of small and micro enterprises(SME),science-tech enterprises(STE)and technology-based small and micro enterprises(TBSME).It also integrates the enterprise life cycle theory,credit financing theory and enterprise decision theory into the analysis system.The H bank which the author studies provides financial services to TBSME and has received good recognition from the market.This paper starts from the perspective of the H bank,and attempts to sum up the innovative financial service model of H Bank aiming at the TBSME.The efforts come from the aspects of practice and management,that is,from the external and internal perspectives,to explain the innovation model and the model and strategy applied.Practices includes operations,products and risks.Management includes financial management,performance management and human resource management.Finally,the paper analyzes the status quo of the M-Tech Park that H-Bank had provided TBSME financial services for,spots issues,proposes the improvement strategy,and puts forward the vision and prospect.Through the combination of macroscopic analysis in Chapter3&4 and microscopic analysis in Chapter5&6,this paper makes a comprehensive exposition and analysis that cover theoretical research,pattern induction,practice operation,internal management and case studies.A lot of internal and external materials have been studied during the writing of paper,including open market information,industry data and H Bank's internal data.The innovation mode of H Bank has been summarized,then combined with the case study of H Bank's financial services for TBSME in M Science Park.The author has also proposed improvement strategy.This paper offers more concrete conclusions by using data analysis,case analysis and empirical analysis.This paper is trying to analyze the innovation model and case study of H Bank,aiming to combine the previous theoretical research results with the author's actual cases.However,own to the lack of working experience and the imperfect knowledge structure,it still exists a lot of deficiencies and one-sided views,please point out and give criticism,I will continue to improve myself,to explore further in the future.