专精特新中小企业融资困境及解决对策  

Financing Dilemma and Solution Countermeasures in Specialized High-End and Innovation-Driven Small and Medium-Sized Enterprises

作　　者：王昭昱 WANG Zhaoyu(Hebei Finance University,Baoding 071000,China)

机构地区：[1]河北金融学院,河北保定071000

出　　处：《商业观察》2024年第33期52-55,共4页BUSINESS OBSERVATION

摘　　要：国家指出,要支持专精特新企业的发展。近年来,随着中国经济发展方式从高速增长转向提质增效,专精特新中小企业面临的融资问题愈发明显。过度依赖“成本驱动”、技术设备老化、风险抗性差、技术落后、财务制度不规范以及管理机制僵化等问题,使得这些企业在贷款时遭遇重重困难。同时,银行对中小企业的刻板印象以及政府政策落实不到位等外部因素,也进一步加剧了专精特新中小企业的融资困境。这些问题严重制约了我国专精特新中小企业的健康发展。文章深入剖析了专精特新中小企业融资过程中存在的问题,并探讨了导致这些企业融资难、融资贵的根本原因。针对这些问题,文章提出了一系列具体措施,以帮助专精特新中小企业解决融资难题,走向蓬勃发展。ChinaChina hashas pointedpointed outout thatthat wewe shouldshould supportsupport thethe developmentdevelopment ofof specialized,specialized,high-endhigh-end andand innovation-driveninnovation-driven enterprises.enterprises.InIn recent years,with China's economic development mode from high-speed growth to quality and efficiency improvment,specialized,high-endrecent years,with China and innovation-driven small and medium-sized enterprises are facing more and more obvious financing problems.Over-reliance on"cost-and innovation-driven small and medium-sized enterprises are facing more and more obvious financing problems.Over-reliance on"cost-driven",aging technology and equipment,poor risk resistance,backward technology,non-standard financial system and rigid managementdriven",aging technology and equipment,poor risk resistance,backward technology,non-standard financial system and rigid management mechanism make these enterprises encounter many difficulties in loans.At the same time,external factors such as the stereotype of smallmechanism make these enterprises encounter many difficulties in loans.At the same time,external factors such as the stereotype of small and medium-sized enterprises by banks and the inadequate implementation of government policies also further aggravate the financingand medium-sized enterprises by banks and the inadequate implementation of government policies also further aggravate the financing difficulties of these enterprises.These problems seriously restrict the healthy development of specialized,high-end and innovation-drivendifficulties of these enterprises.These problems seriously restrict the healthy development of specialized,high-end and innovation-driven small and medium-sized enterprises in China.This paper deeply analyzes the problems existing in the financing process of these enterprises,small and medium-sized enterprises in China.This paper deeply analyzes the problems existing in the financing process of these enterprises,and discusses the fundamental reasons that lead to th

关 键 词：专精特新中小企业 融资困境 科技金融 

分 类 号：F275[经济管理—企业管理]