互联网金融背景下科技型中小企业融资方式选择研究.pdfVIP

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，抵挡危险的能力比较 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，像是经营危险比较高、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危险而惜贷。与此同时，随着我国互联网技术的快速进展，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 Abstract Small and medium-sized enterprises financing information asymmetry, credit rating system and credit rationing is not perfect, the ability to resist risks is weak, the scale of production and operation of the factors such as the small and medium-sized enterprise financing. China currently has a variety of financing. The traditional financing methods have certain limitations, such as business risk is relatively high, there is no plant, equipment and other fixed assets, the existing commercial banks because they can not afford such a high risk and the credit crunch. At the same time, with the rapid development of Internet technology in China, with the help of Internet financial financing has become the preferred way of financing for smes. Because of the Internet banking more convenient, less restricted, so most SMEs will choose a new way of financing, so we passed on the new financing for all the research and comparison of choice for SME financing. Key Words：The Internet Finance Scientific and technological small and medium sized enterprises Financing mode 目 录 摘 要I Abstract II 引 言 1 1 我国科技型中小企业融资背景 1 1.1 我国科技型中小企业融资难的现状 2 1.2 我国科技型中小企业融资难的核心原因 3 2 传统融资模式与互联网金融融资模式 4 2.1 传统融资模式4 2.2 互联网金融融资模式 4 2.3 传统融资模式与互联网金融融资模式对比6 3 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 8 3.1 处于