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资金、科技和人力资源是促进科技型小微企业发展壮大的三大基石。然而,由于发展前景不明朗、知识产权评估困难等因素导致使其面临“融资难”困境。科技型小微企业在不同发展阶段的特点及融资策略表明,资本和技术是企业成长壮大的源泉和动力,其前提在于金融机构创新针对科技型小微企业的金融服务模式。由此,深入分析了科技金融创新模式,包括互联网金融支持、开展各类金融创新服务以及建立专业支行支持科技创新。
Funds, science and technology and human resources are the three cornerstones for promoting the growth of science and technology small and micro enterprises. However, due to the uncertain development prospects and the difficulties in assessing intellectual property rights, it is confronted with the difficulty of financing difficulties. The characteristics and financing strategies of small and medium-sized S & T enterprises at different stages of development show that capital and technology are the source and motivation for the growth of a firm. The precondition is that financial institutions innovate the financial service model for S & T-based small and micro enterprises. Therefore, the paper deeply analyzes the innovation model of science and technology finance, including Internet financial support, various types of financial innovation services and establishment of specialized branches to support scientific and technological innovation.