摘要
科技中小企业是中国创新型经济建设和发展战略性新兴产业的重要推动力量,然而科技型中小企业因其技术、市场和风险方面的突出特点,融资难问题异常突出。本文对在宁22家银行107种金融产品进行了调研,细致分析了这些金融产品不同特性对科技中小企业融资需求的适应性,并籍此对加强银行金融服务产品创新,破解科技中小企业融资难题,提出了若干原则性建议。
Science and technology intensive small and medium enterprises（STI-SMEs）are one of the most important driving forces for the development of innovative economy and strategic emerging industries in China.However,the financing environment of STI-SMEs still remained tough because of its outstanding features of technology-market difficulties and risk.In this paper.Based on our investigation in 107 financial products of 22 banks in Nanjing,we made a detailed analysis in the adaptability of different characteristics of these financial products which meet financing needs of STI-SMEs,and proposed several principle methods to promote the innovation of bank financial products and solve the problem of financing from banks for STI-SMEs.
出处
《中国软科学》
CSSCI
北大核心
2011年第1期59-66,共8页
China Soft Science
基金
国家自然科学基金项目(70873132)
国家软科学研究计划项目(2009GXS5B086)的阶段性成果
关键词
银行
科技中小企业
融资
bank
STI-SMEs
financing difficulties
