-I-摘要科技型中小企业融资信息的不对称，征信体系和信贷配给的不完善，抵御风险的能力比较弱，生产经营规模的局限性等因素造成了中小企业难融资。我国目前有多种融资方式，其中传统融资方式有一定的局限性，像是经营风险比较高、没有厂房、设备等固定资产，现有商业银行又因为无法承受如此高的风险而惜贷。与此同时，随着我国互联网技术的快速发展，借助互联网金融融资成为了当今中小企业融资的首选方式。由于互联网金融更加的便捷，限制条件较少，因此大多数科技型中小企业都会选择新型融资方式，所以我们通过对各种新型融资方式的研究以及对比选择出适合科技型中小企业融资的方式。关键词：互联网金融科技型中小企业融资方式-II-AbstractSmallandmedium-sizedenterprisesfinancinginformationasymmetry,creditratingsystemandcreditrationingisnotperfect,theabilitytoresistrisksisweak,thescaleofproductionandoperationofthefactorssuchasthesmallandmedium-sizedenterprisefinancing.Chinacurrentlyhasavarietyoffinancing.Thetraditionalfinancingmethodshavecertainlimitations,suchasbusinessriskisrelativelyhigh,thereisnoplant,equipmentandotherfixedassets,theexistingcommercialbanksbecausetheycannotaffordsuchahighriskandthecreditcrunch.Atthesametime,withtherapiddevelopmentofInternettechnologyinChina,withthehelpofInternetfinancialfinancinghasbecomethepreferredwayoffinancingforsmes.BecauseoftheInternetbankingmoreconvenient,lessrestricted,somostSMEswillchooseanewwayoffinancing,sowepassedonthenewfinancingforalltheresearchandcomparisonofchoiceforSMEfinancing.KeyWords：TheInternetFinanceScientificandtechnologicalsmallandmediumsizedenterprisesFinancingmode目录摘要.................................................................................................................IAbstract.............................................................................................................II引言................................................................................................................11我国科技型中小企业融资背景....................................................................11.1我国科技型中小企业融资难的现状.........................................................21.2我国科技型中小企业融资难的核心原因.................................................32传统融资模式与互联网金融融资模式........................................................42.1传统融资模式.............................................................................................42.2互联网金融融资模式.................................................................................42.3传统融资模式与互联网金融融资模式对比.............................................63我国科技型中小企业互联网金融融资方式选择--基于企业生命周期.....83.1处于创业期的科技型中小企业及融资方式.............................................83.1.1创业期科技型中小企业特点..................................................................83.1.2创业期适用于科技型中小企业的融资方式..........................................93.2处于成长期的科技型中小企业及融资方式...........................................113.2.1成长期科技型中小企业特点................................................................113.2.2成长期适用于科技型中小企业的融资方式........................................113.3处于成熟期的科技型中小企业及融资方式...........................................143.3.1成熟期科技型中小企业特点................................................................143.3.2成熟期适用于科技型中小企业的融资方式...
