CAJ | 학술논문

高新技术企业对我国社会经济进步的作用十分重要，而融资问题一直是阻碍其健康有序发展的重要因素。如何对高新技术企业信用水平作出准确评估，已成为解决其融资困境的关键环节。为此，本文在借鉴传统企业信用评价体系的基础上，通过深入分析高新技术企业的行业特性，建立起一套具有较强针对性的信用风险评价指标体系，这对有效缓解高新技术企业融资困境，实现银企双方协作共赢具有积极意义。
고신기술기업대아국사회경제진보적작용십분중요，이융자문제일직시조애기건강유서발전적중요인소。여하대고신기술기업신용수평작출준학평고，이성위해결기융자곤경적관건배절。위차，본문재차감전통기업신용평개체계적기출상，통과심입분석고신기술기업적행업특성，건립기일투구유교강침대성적신용풍험평개지표체계，저대유효완해고신기술기업융자곤경，실현은기쌍방협작공영구유적겁의의。
High-tech enterprises are very important to social development. However, the financing difficulty is barrier to enterprises development. Accurate credit rating is the key to solve the problem. This paper is on the basis of traditional credit rating system, analyze the industrial characteristics and set up a targeted credit rating system. It has a positive role in solve the financing problem and achieve a win-win situation.