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| 互联网背景下科技型中小企业融资模式研究
摘 要
2021年是“十四五”规划开局之年，科技型中小企业作为经济肌体的“毛细血管”，他们的发展直接关系我国经济全面、科学、高质量发展。科技型中小企业因其风险大、投入多、回报慢等特性，导致其融资成本居高不下，融资渠道闭塞、融资困难是横跨在中小企业发展道路上的两座大山。虽然国家发布了不少法律法规针对此类问题，并给予较多关注，但融资问题仍然是悬在中小企业融资路上的“达摩克利斯之剑”。中小企业可持续发展道路上重要一环即为能否较好解决此问题，在互联网背景下多种新兴的融资模式浮出水面，为解决此类问题带来了曙光。本文从科技型中小企业自身、金融机构、政府政策等角度分析解决中小企业融资难、融资贵的问题。
[关键词]：科技型中小企业；融资模式；互联网
I
Abstract
2021 is the first year of the 14th five year plan.As the "capillaries" of the economic body,the development of small and medium-sizedscience and technology-based enterprises is directly related to the comprehensive, scientific and high-quality development of China's economy. Because of the characteristics of high risk, large investment and slow return,the high financing cost, few financing channels and financing difficulties ofthe technology-based SMEs are the two mountains across the development path of SMEs. Although the state has issued many laws and regulations to deal with this kind of problem and paid more attention to it,the financing problem is still the "sword of Damocles" hanging on the financing road of small and medium-sized enterprises. An important part of the sustainable development of small and medium-sized enterprises is whether it can better solve this problem. Under the background of the Internet,a variety of new financing modes have emerged, which brings the dawn to solve such problems. This paper analyzes how to solve the problem of financing difficulty and high cost of small and medium-sized enterprises from the perspective of technology-based small and medium-sized enterprises themselves, financial institutions and government policies.
[Key Words]: Technology based small and medium enterprises; Financing mode; Internet
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