Research On Banking Financing Problem Of Technology

Technology-based small-micro enterprises are an important part of the national economy and an important force for promoting sustainable and stable economic development.In order to solve the problem of bank financing for technology-based small-micro enterprises,this article analyzes the data of 69 small-micro enterprises which are listed on NEEQ and registered in Nanjing.And this article concluds that the problem of "funding difficulties" and "funding expensive" for non-technology-based small-micro enterprises still exists,however,the situation of "funding expensive" for technology-based small-micro enterprises has been alleviated,and the phenomenon of "funding difficulties" still exists.And the phenomenon of "short-term loans and long-term use" is obvious.Then,based on analysis,this paper finds that banks are more willing to lend to technology-based small and micro enterprises,which have the characteristics of high total asset size,high non-current assets and low other accounts payable.And also,these banks have a herd mentality in the process of providing financing.This is in conflict with the actual characteristics of technology-based small-mcro enterprises.Through the above research,the paper finally puts forward the conclusion.That is,matching solutions which can solve the financing difficulties of technology-based small and micro enterprises in different life cycle stages should be proposed.And these solutions must focuse on the factors affecting the financing amount.For technology-based small-micro enterprises which are in the start-up period,the internal control of enterprises should be strengthened,and joint due diligence should be conducted by the functional department and the bank,and the focus of bank credit approval should be changed.For technology-based small-micro enterprises which are in the growth stage,domestic trade credit insurance should be combined with factoring business to solve the problem of the lack of risk mitigation.For technology-based small-micro enterprises at maturity,the specific measure,that providing long-term loans through the combination of domestic trade credit insurance and accounts receivable pool financing,can be used to reduce the phenomenon of "short-term loans and long-term use" and reduce the risk of liquidity.