The Research On The Financing Of Small And Micro Science And Technology Enterprises In Quanzhou

Quanzhou is known as "private special economic zone",which is supported by a large number of small and micro enterprises,especially small and micro technology enterprises have the most potential for development.Since the reform was approved,Quanzhou government has taken multiple measures to actively explore new ways to alleviate the financing difficulty and high cost of small and micro science and technology enterprises.However,most small and micro science and technology enterprises in Quanzhou have problems such as small scale,irregular operation and management,and imperfect financial system.Many enterprises still cannot find suitable financing channels,and their development is seriously restricted.Therefore,the financing of small and micro technology-based enterprises has become an urgent problem to be solved in the overall development of Quanzhou.This paper takes small and micro science and technology enterprises in Quanzhou as the research object.On the basis of sorting out the financing theories of small and micro technology-based enterprises at home and abroad,this paper has fully understood the financing status quo of small and micro technology-based enterprises in Quanzhou by means of questionnaire survey and field visit,and found that small and micro technology-based enterprises in Quanzhou are faced with such problems as low financing efficiency,high financing cost and narrow financing channels.At the same time,in view of the problems faced by small and micro science and technology enterprises in Quanzhou,this paper,from the perspective of enterprises,governments,banks and other financial institutions,analyzes the reasons for the financing difficulties faced by enterprises lie in the low level of enterprise management,poor implementation of government policies,and the homogenization of financial products of banks and other financial institutions.On the basis of the above analysis,put forward solutions to the financing difficulties of small and micro science and technology enterprises in Quanzhou: enterprises should improve their own quality,improve their financing conditions;The government should improve financing environment and increase policy support;Banks and other financial institutions should innovate financial products and financial service models.Through the multi-linkage financing mechanism,to create a good financing environment for small and micro science and technology enterprises in Quanzhou,effectively solve the problem of enterprise financing.