Technology-based Small And Micro Enterprises Banking Facilities And The Countermeasures

Technological innovation-driven small and micro enterprises as the most active and most promising strategy for corporate groups in our country, is an important force in building an innovative country, so highly valued by the central level. However, due to the high-tech small and micro enterprises with a degree of risk and return asymmetry, intangible-intensive, capital demand for small and frequent, uncertain prospects, etc., often less than bank credit barriers to entry, it Financing face enormous obstacles. Thus, apart from the government, business dimension to analyzing the financing problems of science and technology small and micro enterprises, it’s more necessary to explain and resolve the dilemma from the perspective of the bank. Therefore, this article follows the paradigms theory with practice. First of all, it will give a definition of high-tech small and micro enterprises and the difference between the general small and micro enterprises and the high-tech, then it describes the characteristics of their credit demand, outlines the relevant domestic financial policies and reviews the effectiveness. On this basis, with the Industrial Bank example, this article analyze the status quo of credit services which the banks provide to the high-tech small and micro enterprises and analyze the reasons of shortage from the angle of banks, corporations and governments. The bank angle is most important, including "economic services for the target entity is not clear","definition and the demand for high-tech small and micro enterprises blur","high-tech small and micro enterprise loans mismatch between risk and return".Then, through the practice of high-tech small and micro enterprises inside and outside the bank credit services overview, summary of useful experience. Finally, a number of recommendations, made of high-tech small and micro enterprises to improve bank credit services:bank angle is to be innovative banking and risk control mechanisms, corporate angle is small and micro enterprises should actively promote the construction of credit system, the government should deepen the financial and tax reform and innovation.