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科技型中小企业是国家经济发展与产业转型升级的中坚力量,但企业的发展往往受制于资金短缺、融资困难。本文从信息不对称角度,分析了科技型中小企业融资难的内部以及外部因素,并从缓解信息不对称角度提出建立政策性地域中小银行、引入电子商务模式、完善多层次资本市场的应对措施,以帮助中小企业拓展融资渠道,解决融资困境。
Small and medium-sized technology-based enterprises are the backbone of the country’s economic development and industrial restructuring and upgrading. However, the development of enterprises is often limited by lack of funds and difficulties in financing. From the perspective of information asymmetry, this paper analyzes the internal and external factors of SME financing difficulty and proposes the establishment of small and medium banks in policy-oriented regions from the perspective of alleviating the information asymmetry, introducing the e-commerce model and perfecting the countermeasures of multi-level capital market, To help SMEs to expand financing channels to solve the financing difficulties.