Research On Financing Mechanism And Suggestion Of High-tech Small And Mid-size Enterprises Based On Carbon Credit

According to the national bureau of statistics,by the end of 2014,there are more than 8000000 High-tech Small and Mid-sized Enterprises in our country,they have been playing an important role in the development of national economy.But because of its high risk,high cost of credit,the fund has always been bottleneck of the development of the High-tech SMEs.There are large amounts of carbon dioxide emissions during the entire life of High-tech SMEs,in the pursuit of low carbon economy development mode,the High-tech SMEs are not only faced with the difficulty of financing,more faced with work pressure to reduce emissions.Carbon credit as an important way to achieve emissions reductions has achieved some results abroad.So how to use the carbon credit improving measures to reduce emissions,solve the High-tech SMEs financing difficulties is around the corner.Based on the above content,we conducted a systematic research about the High-tech SMEs financing mechanism.(1)The paper explores constraints in the financing of China’s High-tech SMEs and the carbon credit’s financing mode of foreign banking to High-tech SMEs.First of all,describing the financing support of China and other countries from the perspective of policy.Second,taking Tianjin as the example,according to their characteristics of development and financing,the research analyses the financing problems in High-tech SMEs.Besides,we analyzed many foreign countries’ banks from their own carbon emissions,carbon credit commitment and achievements with its application in the practice of High-tech SMEs’ experience thoroughly included,which gives a reference for our country’s commercial banks and High-tech SMEs.(2)The carbon credits financing mechanism analysis of High-tech SMEs.First,construct an accounting mode about carbon emission which is suitable for High-tech SMEs.Second,we analyze the causality between carbon credits and High-tech SMEs from the point of human capital,firm size and technology capital of High-tech SMEs.Besides,we verify that the way of industrial clusters can be applied to the efficient implement of carbon credits business of High-tech SMEs.Finally,combining with the characteristics of High-tech SMEs,we comprehensively and systematically summed up indexes which affects carbon credits of High-tech SMEs,and we point out the implement path of carbon credits based on bank,government and corporate.(3)The establishment of carbon credit financing system suitable for High-tech SMEs of our country.Based on the perspective of carbon credit financing,we select qualitative indexes and quantitative indexes reflecting the future development and potential effect of High-tech SMEs,getting credit rating index system for High-tech SMEs to acquire common financing.Finally,by introducing carbon indexes,we establish credit rating index system to meet the demand of carbon credit financing for High-tech SMEs.(4)We provide countermeasures from the government,banks,High-tech SMEs and the public four aspects for the perfection of the carbon credit financing mechanism to improve the High-tech SMEs financing difficulties,and implement of High-tech SMEs’ economic benefits and environmental benefits of a win-win situation.