河南省科技型中小企业担保融资研究

李盼

摘 要：我国重视科学技术发展，对其发展目标做出了详细的规划，提出大力发展技术创新，加快推进科技成果转化和产业化进程。科技型中小企业自创立伊始到发展成熟都离不开资金的支持，但在实际发展过程中，由于金融机构信息不对称和企业本身存在风险，导致部分金融机构拒绝向科技型小企业提供利率较低的贷款。同时，科技型小企业一般的融资额度较低，导致金融机构的信贷管理和信用成本管理风险增大。可见，限制科技型中小企业发展的主要因素是缺少有效的资金支持和持续的融资条件。随着金融创新的不断发展，尤其是依托互联网金融平台，为中小企业担保融资提供了新的渠道和方式。虽然互联网金融不尽完美，但是各界对其寄予了很高的期待，只要各方积极创新，并加以科学监管，做好风险防范，就能有效解决中小企业担保融资的难题。

关键词：科技型;中小企业;担保融资

中图分类号：F276.44;F832.4 文献标识码：A 文章编号：1003-5168（2021）06-0142-05

Research on Guaranteed Financing of Small and Medium-sized

Science and Technology Enterprises in Henan Province

LI Pan

（Anyang Normal University，Anyang Henan 450000）

Abstract： China attaches great importance to the development of science and technology， makes a detailed plan for its development goals， and proposes to vigorously develop technological innovation and accelerate the transformation and industrialization of scientific and technological achievements. However， in the actual development process， due to the asymmetric information of financial institutions and the risks of enterprises themselves， some financial institutions refuse to provide loans with lower interest rates to small technology-based enterprises. At the same time， the financing limit of small technology-based enterprises is generally low， which leads to the increased risk of credit management and credit cost management of financial institutions. It can be seen that the main factors restricting the development of technology-based SMEs are the lack of effective financial support and sustained financing conditions. With the continuous development of financial innovation， especially relying on the Internet financial platform， it provides new channels and ways for SMEs to guarantee financing. Although the Internet finance is not perfect， all walks of life have high expectations for it. As long as all parties actively innovate， scientifically supervise and do a good job in risk prevention， it can effectively solve the problem of guarantee financing of small and medium-sized enterprises.

Keywords： scientific and technologic type， minor enterprises， financing guarantee and financial leasing

1993年，深圳市科學技术局首次提出科技金融携手合作扶持高新技术发展，其实际上是科技与金融的合称。科技型中小企业创新金融发展途径主要为债券融资和股权融资两种方式。本文通过对河南省科技型中小企业科技金融进行整体研究，探索符合河南省科技型中小企业担保融资的途径。

1 科技型中小企业融资背景

1.1 大环境

1992年，我国开始探索实践科技型中小企业融资担保活动，最具代表性的是上海市工商联企业互助担保基金会和广东省的地方性商业担保公司。……