互联网金融背景下科技型中小企业融资 问题的思考摘 要科技型中小企业面临的融资困境已经严重制约了企业的持续发展，如何解决企业的融资难问题、保证企业顺利获得生产及研发所需的资金，是科技型中小企业提升研发能力、实现快速成长与发展过程中所面临的关键问题。互联网金融利用互联网技术、大数据技术以及网络共享度，能很好的降低科技型中小企业的融资风险和融资成本，丰富科技型中小企业融资渠道，极大的缓解其融资压力。本论文以我国科技型中小企业融资问题为研究对象，主要阐述了互联网背景下科技型中小企业融资的现状，探究了互联网金融背景下科技型中小企业融资过程中存在的自身融资行为不合理、市场融资环境不健全、信息不对称 及担保体系不够完善等问题，就如何通过互联网金融来解决科技型中小企业融资困境提出了优化自身融资结构、加大科技型中小企业的扶持力度、提供更加规范的信息服务及建立健全信用担保体系等建议。关键词：互联网金融；科技型中小企业；融资ABSTRACTThe financing dilemma faced by technology-based SMEs has severely restricted the sustainable development of enterprises. How to solve the problem of financing difficulties for enterprises and ensure that enterprises successfully obtain the funds required for production and R & D The key issues facing the development process. Internet finance uses Internet technology, big data technology and network sharing to reduce the financing risks and financing costs of technology-based SMEs, enrich the financing channels of technology-based SMEs, and greatly ease their financing pressure.This paper aims at alleviating the financing dilemma of China's technology-based SMEs. It 1mainly explores the unreasonable self-financing behavior, the incomplete capital market, the asymmetric information and the insufficient guarantee system in the financing process of technology-based SMEs under the background of Internet finance. Issues such as how to use Internet finance to solve the financing dilemma of technology-based SMEs put forward ...
