金融科技创新助力科技型中小企业融资——基于企业生命周期视角的分析  

Analysis of Fintech Innovation Promoting Financing of Technology-based SMEs from the Perspective of Enterprise Life Cycle Theory

作　　者：马卫民[1] 张冉冉 Ma Weimin;Zhang Ranran(School of Economics and Management,Tongji University,Shanghai 200092,China)

机构地区：[1]同济大学经济与管理学院

出　　处：《科技管理研究》2019年第22期114-121,共8页Science and Technology Management Research

摘　　要：基于企业生命周期理论,分析科技型中小企业融资缺口的问题。结果表明,科技型中小企业轻资产、高风险的天然特征,投融资方之间的信息不对称以及政策环境因素是导致融资难的重要原因。为破解科技型中小企业融资难的问题,利用区块链技术的可追溯、去中心化的特征,搭建基于企业生命周期的区块链融资平台。This paper analyzes the financing gap of high-tech SMEs based on enterprise life cycle theory. The results show that the natural characteristics of light assets and high risks of SMEs, asymmetric information between investors and financiers, and policy environment are the main reasons for financing difficulties of SMEs. To solve financing problem of SMEs, a blockchain financing platform based on enterprise life cycle is constructed by using the characteristics of traceability and decentralizationof the blockchain technology.

关 键 词：金融科技 科技型中小企业 生命周期理论 融资平台 

分 类 号：F830[经济管理—金融学] F832.46