中小型高新技术企业融资分析

财务管理本篇论文包括:开题报告,中英文摘要,论文,目录,文献综述,大纲 论文编号:CW013   字数:7429,页数:16

目  录

一、中小高新技术企业的融资渠道和方式分析 ............................7
二、我国中小高新技术企业的融资现状 ..................................8
（一）、我国中小高新技术企业在信贷方面的现状 ........................8
（二）、我国中小高新技术企业在直接融资方面的现状 ....................9
（三）、总结我国中小型高新技术企业融资难的原因 ......................9
1、金融企业垄断现象严重 .............................................9
2、没有针对中小高新技术企业的贷款条件和审批制度 .....................9
3、信用保证制度不健全 ...............................................10
4、风险投资体系还未发展成熟 .........................................10
5、现行的股票，债券发行条件还比较严苛 ...............................11
6、相关政策支持体系尚未完善 .........................................11
三、中外中小高新技术企业融资环境比较 ................................11
（一）、贷款援助政策 ................................................11
（二）、信贷决策方式 ................................................12
（三）、风险投资基金 ................................................13
（四）、信用担保制度 ................................................14
四、解决我国中小高新技术企业融资难的建议 ............................14
（一）、建立国家中小企业银行 ........................................14
（二）、制定适合中小型高新技术企业特点的贷款条件和审批程序 ..........15
（三）、建立支持中小高新技术企业发展的信用保证制度 ..................15
（四）、鼓励设立支持中小企业发展的风险投资基金 ......................15
（五）、调整现行股票、债券发行条件中对企业规模的限制 ................17
（六）、政策支持体系的建立和完善 ....................................17
文献综述 ............................................................19
参考文献............................................................ 28
致谢 ................................................................30

摘  要
     融资困难一直是阻碍我国中小高新技术企业发展的突出问题之一。本文探讨制约中小型高新技术企业发展的一个重要问题——融资难问题。
 本文认为，造成我国中小型高新技术企业融资难的原因主要四点：首先，银行和企业之间的信息不对称；其次，中小型高新技术企业的经营风险较高；再次，我国的金融体系结构不合理，没有专为中小高新技术企业服务的中小金融结构；最后，长期以来的金融政策忽视或者漠视中小企业的资金需求。
 根据我国的国情以及与部分发达国家相关资料的一些分析比较，本文提出了改善我国中小型高新技术企业融资难问题的一些建议。应针对我国当前中小高新技术企业融资的环境特征，借鉴国外经验，尽快建立中小高新技术企业诚信系统，建立健全中小企业信用担保体系，加快风险投资业发展，为中小高新技术企业提供强大的资本支持等，以改善中小高新技术企业融资环境。
关键词：高新技术 中小企业 融资环境
 Abstract
 Financial difficulty has been one of the outstanding problems to obstruct the development of china's high-tech small and medium-sized enterprise (high-tech SMEs).the paper is focused on the financial problems that restrict the development of the high-tech SMEs.
 This paper holds that there are four main reasons which cause high-tech SMEs of our country financial problem, which are listed as follows: first, information dissymmetry between the banks and enterprises is a key reason; second, many high-tech SMEs have high level of operation risk, which directly lead to the financing problems of the high-tech SMEs; third, the structure of financial system in our country is not very reasonable, therefore. There are not enough middle and small scale financial constructions to serve the high-tech SMEs to meet their capital demands; finally, the finance policy had ignored or maybe paid no attention to the high-tech SMEs' demands in capital.
 According the situations of the high-tech SMEs in our country and analysis and comparison in the reasons of finance difficulties, the paper provide several methods to help solving the problems of the financing difficulties of the high-tech SMEs : corresponding to the environment characteristics of these firms' financing, drawing lessons from the abroad experience, it's necessary to establish a trustworthiness system of small  and medium-sized firms as soon as possible to establish a sound reputation guarantee system for the small and medium-sized firms. quicken risk investment industry development, and provide mighty capital support for the small and medium-sized firms, so as to improve the financing environment.
Key words: hi-tech  small and medium-sized firms  financing environment