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技术创新能提升企业竞争力、优化经济增长模式、提高社会劳动生产力。中小企业的技术创新对企业本身和社会经济发展都有重要意义。由于中小企业自身的特点和科技创新过程中资金需求时间段集中、技术创新项目融资困难和以技术转让方式回收资金难度大等原因,导致中小企业在技术创新过程中融资困难。本文认为应该通过成立行业创新互助基金、建立地方性技术信息发布平台、建立多部门资信评价体系、政府搭建引资平台和设立政府专项贷款等方式给予中小企业技术创新以金融支持。
Technological innovation can enhance the competitiveness of enterprises, optimize the mode of economic growth and improve social labor productivity. Technological innovation in small and medium-sized enterprises is of great importance to the enterprises themselves and their social and economic development. Due to the characteristics of SMEs themselves and the time-consuming fund requirements in technological innovation process, the financing difficulty of technological innovation projects and the difficulty in recovering funds by means of technology transfer, SMEs have difficulty in financing in the process of technological innovation. This paper argues that financial support should be provided to technological innovation in SMEs through the establishment of industry innovation mutual funds, the establishment of local technical information release platforms, the establishment of a multi-sectoral credit rating system, the government’s establishment of a foreign investment platform and the establishment of special government loans.