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科技型小微企业具备经营风险高、研发投入大、投资回报高以及成长速度快的经营特点,但是受企业经营规模小、融资缺口大、融资渠道单一以及政府扶持力度不足等因素的影响,导致科技型小微企业陷入了融资难的困境,严重制约着企业生存与发展。本文从分析科技型小微企业的融资现状入手,对其融资能力评价体系的构建进行论述,并基于企业自身、政府以及银行层面提出提升企业融资能力的策略建议,期望对促进科技型小微企业快速成长,以及国家科技创新事业持续发展有所帮助。
Small and medium-sized scientific and technological enterprises have the characteristics of high operation risk, large investment in research and development, high return on investment and rapid growth. However, due to the small scale of operation, large financing gap, single financing channel and insufficient government support, Technology-based small and micro enterprises into a difficult financing difficulties, seriously restricting the survival and development of enterprises. Based on the analysis of financing status of science and technology small and micro enterprises, this paper discusses the construction of the evaluation system of financing ability, and puts forward some suggestions on how to enhance the financing ability of enterprises based on the self-government, government and banks. Rapid growth, as well as the sustainable development of national science and technology innovation helpful.