科技型中小企业面临的金融风险与应对  

Financial Risks of Technology-based SMEs and Countermeasures

作　　者：滑冬玲[1] HUA Dongling(Economic School,Tianjin Normal University,Tianjin 300387,China)

机构地区：[1]天津师范大学经济学院,天津300387

出　　处：《天津科技》2023年第10期22-24,共3页Tianjin Science & Technology

基　　金：教育部人文社科规划项目“多层次微观金融稳定预警指数构建及应用”(17YJA790031)。

摘　　要：企业的偿债能力是金融风险的重要体现和源头。近年来,中国科技型中小企业蓬勃发展,通过综合分析科技型中小企业面临的金融风险并提出对策,以促进科技型中小企业的健康发展。科技型中小企业面临的金融风险主要是债务风险和流动性风险。此外,基于自身特点,科技型中小企业更容易受到系统性和非系统性风险的冲击。引发科技型中小企业金融风险的因素有宏观经济压力、融资困境、国外的科技封锁、科技型中小企业征信体系不完善及宏观经济政策的挤出效应。要减小这些金融风险、促进科技型中小企业发展,相关部门可以建立地方科技型中小企业投资基金,建立全面覆盖中小企业的征信数据库,为科技型中小企业提供更多融资平台与方案,实施结构性的精准货币政策与财政政策,分类处置科技型中小企业的不良贷款。The solvency of enterprises is the presentation and root of financial risks.In recent years,technology-based small and medium enterprises have developed quickly.Realizing the risks of these enterprises can help to keep China’s financial system stable and boost the development of technology-based SMEs.Risks faced by technology-based SMEs are debt and liquidity risks.Besides,based on the features of technology-based SMEs,they also suffer from higher systemic and nonsystematic risks.Pressure from the macro-economy,difficulty in the financing,the technology blockade from abroad,the lack of a creditworthiness system of technology-based SMEs and macro-economic policy’s crowding out effect are reasons for financial risks.To reduce the financial risks,the policymaker can set local government technology-based SMEs’investment funds,establish technology-based SMEs’reliable creditworthiness system,offer financing platforms and plans for these enterprises,carry out structured monetary and fiscal policies,classify and dispose of non-performing loans of technology-based SMEs.

关 键 词：科技型中小企业 金融风险 偿债能力 

分 类 号：F830[经济管理—金融学]