| Small-medium Sized High-tech Enterprises of Private Management (private high-tech SMEs) plays animportant role in economic development of our country, which has made great contribution in the processof creating taxes and increasing job employment positions. It is no doubt that the private high-tech SMEsproblems will always be the attention focus of our government and economists. And it will be as animportant strategic initiative. But financing ways of private high-tech SMEs are very narrow, which formsbright contrast with the vigorous development trend, Because of serious information asymmetry, the loanapplications are often be refused. So financing from banks is not smooth too, and the financing problemsbecome the key factors in the process of private high-tech SMEs’ development.Promote the combination of China’s science and technology and financial, private high-tech SMEs atdifferent stages of development in the financial support of the development of science and technologyindustry initiatives. Just under these backgrounds, the author points out a few constructive suggestions tosolve hard-financing issue in our current financing environment. For the Bank is the SME financingchannels, the paper pointed out that the industrial clusters, so take the lead member of the science andtechnology enterprises and organizations working with the banks,"Silver Branch docking" the problem ofinformation asymmetry between banks and enterprises internal technology. This paper also identified thenecessity of conducting credit reference system to collect information from various source sand providefinancial institutions credit information for a variety of uses based on the premise that banks are the maincapital access for SMEs. In view of the significance and the irregularity of the private financial market, thispaper recommended rationalization proposals to reinforce the competitiveness and stability of the financialinfrastructure and suggested some countermeasures to relieve the information asymmetry between banksand SMEs. Finally, starting from their own point of tech private SME credit, for these enterprises toimprove their own ability to propose appropriate counter measures. |
