科技型小微企业融资模式创新:泛融资模式的构建

Innovation of Financing Mode for Technological SMEs: Construction of fan-financing mode

摘要:

当前，科技型小微企业融资需求因受到各种传统融资渠道的制约而无法得到满足，如何创新科技型小微企业融资渠道已迫在眉睫。本文从融合政府、商业银行和电商平台这一途径，通过构建以资本分流、 企业渠道匹配、信用评价体系三模块为核心的泛融资模式，实现小微企业融资渠道支持效应的安全化和最大化。该模式创新性地将政府资金、银行资金以及民间资金进行有效分流，通过 P2P、众筹及基金会等方式，为处在不同发展时期的科技型小微企业进行引资，通过引入政府并融合电商平台建立多主体信用体系模块以期降低违约风险。泛融资模式的建立为有效融资和畅通科技型小微企业融资渠道提供了全新的研究视角；同时，进一步完善了互联网融资的信用体系，也为科技型小微企业健康融资提供可靠的安全保障。

Abstract:

At present, the traditional financing channels cannot meet the financing needs of technological SMEs. To support their development, some enterprises turn to the Internet, but from the perspective of government regulation, they are free from supervision, which easily leads to the default risk. It is urgent to innovate and support the financing channels of technological SMEs. This paper integrates the government, Banks and e-commerce platforms to build a fan-financing model with capital diversion, enterprise channel matching and credit evaluation system as the core, and strives to break through the current financing bottleneck and realize the safety and maximization of support effect. This model innovatively diverts government funds, bank funds and private funds, and attracts capital for technological SMEs in different periods through P2P, crowdfunding and foundations. In order to reduce the risk of default, the government and the e-commerce platform are integrated to establish a multi-body credit system module. The establishment of fan-financing mode provides a new development direction for effective capital absorption and smoothing financing channels. At the same time, it also improves the credit system and provides a guarantee for the healthy financing of technological SMEs.