CAJ | 학술논문

科技型中小企业是中国经济体制改革的重要力量，但其具有的高风险、轻资产特点使得大部分该类企业存在“融资瓶颈”问题。本文首先分析了科技型中小企业的融资现状和现有科技金融服务平台的局限性，指出信息不对称和现有平台建设不完善是导致科技项目融资难的关键因素。然后概括总结了现有科技金融服务平台的发展现状，分析了其交易量小、平台使用频度低的原因，并提出了相应的提升措施。最后基于平台开放性和易用性的设计理念，建立了以全生命周期为基础、“自有信息库+垂直搜索”为核心的科技金融服务平台功能结构框架。
과기형중소기업시중국경제체제개혁적중요역량，단기구유적고풍험、경자산특점사득대부분해류기업존재“융자병경”문제。본문수선분석료과기형중소기업적융자현상화현유과기금융복무평태적국한성，지출신식불대칭화현유평태건설불완선시도치과기항목융자난적관건인소。연후개괄총결료현유과기금융복무평태적발전현상，분석료기교역량소、평태사용빈도저적원인，병제출료상응적제승조시。최후기우평태개방성화역용성적설계이념，건립료이전생명주기위기출、“자유신식고+수직수색”위핵심적과기금융복무평태공능결구광가。
High-tech SMEs is an important force in China's economic system reform, but the high risk and asset-light features make the most of such enterprises exist the "financing bottleneck" problem. Firstly, this paper analyzes the financing status of high-tech SMEs and the limitations of the existing service platform. Asymmetric information and imperfect construction of existing service platform are the key reasons lead to the financing difficulties. then, summarizes the development status of the existing technology and finance service platform, analysises the reasons of its small volume, low degree of platform using, and puts forward the corresponding improvement measures. Finally, based on the openness and ease-of-use design concept, a full-life-cycle functional structure framework is established with the core of"own repository&vertical search".