Research On Bank Financing Model Of Chinese Small And Medium Sized Scientific And Technological Enterprises

At present,China’s economy has gradually shifted to the stage of high-quality development.Scientific and technological enterprises have gathered innovation elements,fostered the flow of scientific and technological innovation resources,effectively improved the efficiency of spatial distribution of resources,and provided high-value-added products and services.Therefore,it is of great significance to vigorously cultivate high-tech SMEs and effectively promote their optimal development.In recent years,China’s small and medium-sized enterprises(SMEs)focusing on science and technology have developed rapidly,but they still face difficulties in the process of development.For example,because of financial difficulties and tight funding channels,a large number of companies still rely on limited self-financing or other endogenous funding channels to obtain a small amount of capital.Although in recent years,banks have continuously improved the quality of financial services,government agencies continue to implement policies and documents to support SMEs,and SMEs’ financing environment has improved,there are still many obstacles in the financing process due to the characteristics of technology-based SMEs themselves.Improving the financing difficulties of small and medium-sized technology-based enterprises is a key issue that the government,financial institutions and enterprises must face and study.This paper mainly discusses the credit status of SMEs in China,describes the common problems.The second part analyses the status and shortcomings of SMEs’ credit financing,and explores three types of SMEs’ bank financing.In addition,this paper takes the "Hongcheng Science Credit Link" model of Nanchang City as an example to analyze the model of bank financing risk compensation,and get relevant enlightenment.Finally,the research of this paper is summarized.