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  本文關(guān)鍵詞： 科技型中小企業(yè) 金融成長周期理論 金融抑制理論 信貸交易成本理論　出處：《財政部財政科學(xué)研究所》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：科學(xué)技術(shù)是第一生產(chǎn)力,但如果科技與生產(chǎn)結(jié)合不好,生產(chǎn)力就形不成,也帶動不起經(jīng)濟的飛速發(fā)展,這就需要做好科技和生產(chǎn)的結(jié)合�？萍夹椭行∑髽I(yè)正是其新興的載體,帶動經(jīng)濟的活力,為技術(shù)創(chuàng)新做出巨大貢獻。 然而為社會提供大量就業(yè)崗位和稅收貢獻的科技型中小企業(yè)卻一直面臨著融資難的尷尬處境,大量中小企業(yè)生存困難,科研、人才、專利、資本不能有效結(jié)合。在經(jīng)濟轉(zhuǎn)型的攻堅時期,急需構(gòu)建一個有效的金融服務(wù)平臺,來幫助科技和資本的結(jié)合。 本文通過分析科技型中小企業(yè)融資難的現(xiàn)狀,認為科技型中小企業(yè)由于自身固有缺陷和金融服務(wù)體系制度缺陷等外部原因?qū)е缕淙谫Y困難。綜述相關(guān)理論基礎(chǔ)上：金融成長周期理論、金融抑制理論、信貸交易成本理論,為本文政策建議的提出提供了理論分析依據(jù)。通過學(xué)習(xí)美國的經(jīng)驗,探索出適合我國的科技型中小企業(yè)金融業(yè)務(wù)創(chuàng)新,提出科技型中小企業(yè)金融融資制度設(shè)計：根據(jù)金融成長周期理論,分階段分析企業(yè)長期成長所需資金來源；根據(jù)金融抑制理論,提出完善商業(yè)銀行信貸制度、引入社區(qū)銀行、中小企業(yè)私募債、集合債等方式；根據(jù)信貸交易成本理論,有必要完善信用擔(dān)保制度、知識產(chǎn)權(quán)保護制度,為科技型中小企業(yè)融資提供服務(wù)性支持。希望通過本文的分析,為幫助解決科技型中小企業(yè)融資難題提供一點思路。
[Abstract]:Science and technology are the primary productive forces, but if the combination of science and technology and production is not good, productivity will not become, nor can the rapid development of the economy. It is necessary to combine science and technology with production. Science and technology small and medium-sized enterprises (SMEs) are just their new carriers, driving economic vitality and making great contributions to technological innovation. However, science and technology SMEs, which provide a large number of jobs and tax contributions to the society, have always been faced with the awkward situation of financing difficulties, a large number of SMEs difficult to survive, scientific research, talent, patents. In the period of economic transformation, it is urgent to construct an effective financial service platform to help the combination of technology and capital. This paper analyzes the current situation of financing difficulties for small and medium-sized technology-based enterprises. It is considered that the financing difficulties of SMEs are due to their inherent defects and financial service system defects. Based on the review of relevant theories: financial growth cycle theory, financial suppression theory. The theory of credit transaction cost provides a theoretical basis for the policy recommendations of this paper. By studying the experience of the United States, this paper explores the innovation of the financial business of scientific and technological small and medium-sized enterprises suitable for our country. According to the theory of financial growth cycle, the paper analyzes the sources of funds needed for the long-term growth of enterprises in stages; According to the theory of financial suppression, this paper puts forward the ways of perfecting the credit system of commercial banks, introducing community banks, private debt of small and medium-sized enterprises, aggregate debt and so on. According to the credit transaction cost theory, it is necessary to improve the credit guarantee system, intellectual property protection system, to provide service support for the financing of small and medium-sized technology-based enterprises. In order to help solve the financing problems of small and medium-sized technology-oriented enterprises to provide some ideas.
【學(xué)位授予單位】：財政部財政科學(xué)研究所
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F275;F276.44

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