我国科技型小微企业贷款模式创新对策研究  

Study on Countermeasures to Innovate Loan Patterns of our Tech Small and Micro Enterprises

作　　者：陈荣生[1,2] 刘敏[3] 

机构地区：[1]西安科技大学能源学院,陕西西安710054 [2]国家开发银行陕西省分行,陕西西安710075 [3]西安财经学院经济学院,陕西西安710061

出　　处：《科技进步与对策》2013年第18期160-164,共5页Science & Technology Progress and Policy

基　　金：国家社会科学基金项目(12XJY015)

摘　　要：在科学界定科技型小微企业内涵的基础上,深入分析了其融资困境及成因,总结了我国科技型小微企业3种集群发展模式及相应的批发融资模式,最后提出通过建设金融市场、采取批发贷款模式系统化解科技型小微企业融资难题的政策建议。On the basis of defining the connotation of tech small and micro enterprise in the scientific community, we analy zes the causes and its financing predicament, summarize the three cluster development patterns of tech small and micro en- terprises in China and the corresponding wholesale funding patterns, finally put forward some suggestions systematically resolving financing problem of tech small and micro enterprise by constructing financial markets and taking wholesale loans.

关 键 词：科技型小微企业 融资困境 贷款模式 政策建议 

分 类 号：F275.6[经济管理—企业管理]