| Science and technology small and medium-sized enterprises are the most effective part of China's national economic growth, and contribute to the national economic growth. At the same time, the development of science and technology small and medium-sized enterprises to provide a large number of jobs and financial and tax contributions to the community. In today's rapid development of the world economy, "science and technology is the first productive forces", which is widely valued by all countries. The development of science and technology is also included in the important national strategic planning. Enterprise as the main implementation of research, development and innovation, the investment of research and development is not only the key factor to determine the competition ability of the enterprise, even to the country's economic development level and the international competitiveness of has a very important influence. Science and technology oriented small and medium sized enterprises and enterprise groups with the most innovative vitality and the effective carrier of science and technology innovation ability, the development of small and medium sized enterprises of science and technology drives the vitality of economic and social, to make a significant contribution to the technological innovation, has an important role to national economic growth, tax revenue steady increase, social employment rate of increase. However, all aspects of research and development innovation of scientific and technological small and medium-sized enterprises rely on the support of a lot of money, but the lack of the accumulation of their own funds, the development of weak, the existing financial system, as well as the drawbacks of external financing channels poor. Most technology small and medium-sized enterprise can only by virtue of endogenous development funds even in case of emergency with high cost of folk loan financing and financing problems of small and medium sized enterprises in science and technology has become the primary factor in the research and development of innovative control, can ensuresufficient of the investment of research and development will to a large extent influence the small and medium sized enterprises of science and technology play their own research and development and innovation ability, thereby affecting the entire national economy, tax revenue, employment rate of growth.In the SME financing situation, the development of private lending market is extremely strong, relevant data show that only in Zhejiang Province, Wenzhou folk capital amounted to 600-800 billion yuan, 2014 China's private financial market scale over 5 trillion. In the current national fiscal policy, bank savings interest rates continue to decline, the huge social precipitation capital more and more tendency to higher income of private financial markets and informal financial market scale will be further expanded. In science and technology small and medium-sized enterprise financing difficult problem is very prominent in the case and how to guide the huge private social capital into the normal investment to the industry, to alleviate the problem of SME financing difficulties, and promote the healthy development of small and medium sized enterprises of science and technology, return to the high-tech industry, war strategic industry, and education, medical care and the guarantee of housing and other areas of the real economy, is a pressing issue that needs to be solved currently.SME financing problem is very serious, civil social capital gradually increasing the size, how to effectively introduce civil social capital plunge into the financing and development of small and medium enterprises in science and technology, with the development of science and technology, information exchange and data analysis the advent of technology will be gradually solved. With the comprehensive popularization and popularization of network technology, the combination of science and technology and finance can alleviate the financing problems of small and medium sized enterprises in the long term. P2 P network lending platform by virtue of more symmetrical information, efficient and convenient fund-raising and financing to fund lending and low cost of financing to become a scientific and technological type of small and medium enterprises to solve the funding chain channels. In this paper, the current science and technology SMEs in the current financing difficulties, private social capital of a large scale, the background of the development of science and technology financial background, reveals the scientific and technological SMEs financing problems of the status quo and reasons. Using empirical analysis method, to build a multi-level capital market, introduced in detail the government support funds,bank funds for science and technology, science and technology mutual funds and howto use the mode of financing the innovation type of P2 P network lending platform, the more efficient driving the private social capital investment to the development of small and medium sized enterprises of science and technology to. And in-depth analysis of the key elements of the mode of innovative financing services and application mechanism, advantages of using comparative analysis and SWOT analysis method in the evaluation of an innovative P2 P network lending financing mode, and disadvantages, opportunities and threats, and draws the conclusion that the innovative P2 P network lending platform of financing mode of important role in alleviating the financing problems of SMEs in the science and technology, and science and technology under the background of financial innovative P2 P network lending platform financing mode development trend is unstoppable. Finally, according to the current situation of the financing of small and medium sized enterprises in our country and the demand of the scientific and technological type of innovative financing model,this paper puts forward constructive suggestions. |
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