首页|科技型中小企业融资现状分析与策略研究——以南阳市为例

科技型中小企业融资现状分析与策略研究——以南阳市为例

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科技型中小企业是现代产业创新生态的中坚力量,提升其科技金融服务能力是国之大事.聚焦河南省南阳市科技型中小企业群体,对当地营商政策环境及融资渠道现状进行分析,从政府、金融机构和企业自身三个层面归纳了目前南阳市科技型中小企业所面临的融资困境,提出了政府加大政策支持力度、金融机构有针对性调整授信策略、提升科创金融产品担保方式适配度及丰富金融产品供给等解决对策,以期为改善南阳科技型中小企业"融资难、融资贵"等问题提供一些思路和方向.
Analysis and Strategy Research on the Financing Status of Small and Medium-Sized Scientific and Technological Enterprises——Take Nanyang as an Example
Technology-based small and medium-sized enterprises are the backbone of the modern industrial in-novation ecology,and it is a major national matter to improve their ability to provide scientific and technological fi-nancial services.Focusing on the group of technology-based small and medium-sized enterprises in Nanyang City,Henan Province,this paper analyzes the current situation of the local business policy environment and the financing channels,summarizes the financing difficulties faced by technology-based small and medium-sized enterprises in Nanyang City from the three levels of the government,the financial institutions and the enterprises themselves,and puts forward suggestions,including increasing of the government's policy supports,targeted adjustment of credit strategies by financial institutions,improvement of the adaptability of guarantee methods of scientific and technolog-ical financial products,and enrichment of financial product supply,in order to provide some ideas and directions to improve the"difficult and expensive financing problems"and other issues faced by technology-based small and medi-um-sized enterprises in Nanyang.

technology-based small and medium-sized enterprisesfinancingfinance

陈晨

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南阳农业职业学院,河南 南阳 473000

科技型中小企业 融资 金融

2024

商丘职业技术学院学报
商丘职业技术学院

商丘职业技术学院学报

影响因子:0.18
ISSN:1671-8127
年,卷(期):2024.23(4)