【正文】 河南理工大學(xué)本科生畢業(yè)論文 (設(shè)計 ) 科技型中小企業(yè)融資問題研究 院系名稱 經(jīng)濟(jì)管理學(xué)院 姓 名 司媛 學(xué) 號 321110020716 專 業(yè) 會計學(xué) 指導(dǎo)教師 郭學(xué)鵬 2020年 5月 21日河南理工大學(xué) 2020屆本科生畢業(yè)論文 I 科技型中小企業(yè)融資問題研究 摘 要 科技型中小企業(yè)是近年來我國經(jīng)濟(jì)活動中出現(xiàn)的最引人注目、最具發(fā)展前景的企業(yè)類型，有力地帶動了我國經(jīng)濟(jì)的高速發(fā)展，成為我國國民經(jīng)濟(jì)新的增長點。這類企業(yè)雖然兼具“科技型”與“中小企業(yè)”這兩種特質(zhì)的優(yōu)勢，但也不可避免的擁有了兩者的缺陷。很多科 技型中小企業(yè)由于缺乏連續(xù)充足的現(xiàn)金流，難以在發(fā)展的過程中實現(xiàn)技術(shù)創(chuàng)新的產(chǎn)業(yè)化、市場化而面臨倒閉。 本文在介紹了科技型中小企業(yè)的定義、界定標(biāo)準(zhǔn)和特點的基礎(chǔ)上通過比較傳統(tǒng)企業(yè)與科技型中小企業(yè)融資模式的不同，歸納出科技型中小企業(yè)融資模式的三大特點。并著重對周期性和政府導(dǎo)向性這兩大特點進(jìn)行深入研究與探索。通過企業(yè)生命周期各階段特點 的 研究與比較找出適合各階段的融資模式。利用案例生動的剖析政府政策對科技型中小企業(yè)成長的影響，倡導(dǎo)企業(yè)關(guān)注并積極互動，進(jìn)而早日走出資金短缺的陰霾。最后，從外部和企業(yè)內(nèi)部兩個方面提出改善融資難 問題的對策與建議，力求為我國科技型中小企業(yè)解決資金問題建言獻(xiàn)策。 關(guān)鍵詞： 科技型中小企業(yè) 融資困境 融資模式 河南理工大學(xué) 2020屆本科生畢業(yè)論文 II ABSTRACT Scientific and technological small and mediumsized enterprises is our country in recent years in the economic activities of the most striking, type of the most promising led the rapid development of economy in our country, to bee the new growth point of national economy in our country. Though such panies as science and technology and small and medium enterprise the advantage of the two qualities, But it also inevitably has the defects of the two. A lot of small and midsized enterprise because of the lack of continuous adequate cash flow, to realize the technology innovation in the process of the development of industrialization, marketization and facing bankruptcy. This paper introduces the definition of the Scientific and technological small and midsized enterprise,define the standard and characteristics through the parison on the basis of the traditional enterprises and small and midsized enterprise financing pattern, identified three major characteristics of small and midsized enterprise financing mode. And emphatically to cyclical and the government guidance these two features indepth study and exploration. Through the enterprise in different stages of the development life cycle every stage of the study and find out more suitable for the characteristics of financing model. Using the vivid the case analyze government policies for small and midsized enterprise growth, advocating enterprise attention and positive interaction ,then as soon as possible out of the haze of shortage of funds. Finally, from the external and internal two aspects put forward countermeasures and Suggestions to improve the financing difficulties, To solve financing problem for small and midsized enterprises in our country make remendations. Key Words: Scientific and technological small and mediumsized enterprises Financing difficulties Financing model 河南理工大學(xué) 2020屆本科生畢業(yè)論文 III 目 錄 前言 ...................................................................... 1 1 科技型中小企業(yè)相關(guān)概念 .................................................. 2 科技型中小企業(yè)的定義 ............................................... 2 科技型中小企業(yè)的界定標(biāo)準(zhǔn) ........................................... 2 科技型中小企業(yè)融資模式的特點 ....................................... 2 科技型中小企業(yè)的特點 ......................................... 2 融資模式的含義 ............................................... 3 傳統(tǒng)企業(yè)與科技型中小企業(yè)融資模式的比較 ....................... 3 科技型中小企業(yè)融資模式的特點 ................................. 3 2 科技型中小企業(yè)生命周期各階段特征及企業(yè)在各階段融資模式的選擇分析 ........ 5 周期性分析 ......................................................... 5 各階段的含義及目標(biāo) ........................................... 6 各階段特點分析 ............................................... 6 生命周期各階段融資模式的選擇分析 ................................... 7 種子期 ....................................................... 7 創(chuàng)建期 ....................................................... 7 成長期 ....................................................... 8 成熟期 ....................................................... 9 衰退期 ....................................................... 9 3 科技型中小企業(yè)政府導(dǎo)向性在生命周期各階段的 選擇分析 ..................... 11 直接投資政策 ...................................................... 11 財稅政策 .......................................................... 13 金融扶持政策 ...................................................... 13 4 科技型中小企業(yè)融資的建議 ............................................... 14 外部環(huán)境方面的建議 ................................................ 14 企業(yè)自身方面的建議 ................................................ 15 5 結(jié)論 .......