作为科技创新和科研成果转化的有效载体，科技型中小企业近年来发展迅猛，在引领新兴产业快速发展、突破产业技术瓶颈等方面发挥着非常重要的作用，然而融资问题一直是阻碍企业成长壮大的瓶颈。究其原因是由于科技型中小企业存在规模小、经营风险高等特点，导致银行等金融机构“惜贷”或者外部风险投资机构对其投资持非常谨慎的态度。本文借助可拓学理论，采用理论与实证、定性与定量相结合的研究方法，主要目的在于对科技型中小企业的信用状况进行科学评价，尽可能的降低双方的信息不对称，避免产生道德风险和逆向选择，解决融资难题。

As an effective carrier of technological innovation and scientific research transformation, the small and medium high-tech enterprises are developing rapidly in recent years. They are playing increasingly important role in the leading emerging industries, upgrading of traditional industries and breaking the bottleneck of industrial technology, and bringing a strong force for the development of the national economy. However, for a long time, financing problem have been hindering the development of enterprises, and becoming a bottleneck to business growth and expansion. The reason is due to small scale, less tangible assets, and high operational risks, which lead to 'credit crunch' of banks and other financial institutions, or very cautious attitude of the external venture capital investment. In order to reduce the information asymmetry between the two sides, avoid moral hazard and adverse selection, and solve the financing problem, there is an urgent need for scientific evaluation of credit conditions for small and medium high-tech enterprises, as the basis for external investment agencies to invest.

江苏省教育厅高校哲学社会科学研究重点项目