摘要：高新技术企业在我国迅速发展，对我国经济和社会的创新和发展起着非常重要的推动作用。近年来随着信息化进程的加速，中小型高新技术企业因其灵活性和市场灵敏性特征，更是成为推动国家经济竞争力提升的重要因素，重视和大力发展高新技术企业，尤其是中小型高新技术企业具有重要的现实意义。
由于信息不对称、信用风险、知识产权保障体系不完善等因素，我国中小高新技术企业融资面临障碍。融资难使得这些企业的发展也面临阻碍，尤其是一些初创期的创新型企业，由于缺乏可用于担保的固定资本，基本上不可能从银行等金融机构获得资本支持，信用风险问题又使得风险投资望而却步，使得企业生存困难，无力发展。20336
本文将基于企业融资、信用风险等理论基础，通过调研有代表性的中小型高新技术企业，以及查阅相关国外中小企业的融资实践案例，研究中国中小高新技术企业融资渠道，以及融资过程中最受关注的融资信用问题、创新型的知识产权融资问题，为我国拓展和完善中小型高新技术企业融资渠道，以及建立和完善融资的信用风险管理体系提供借鉴和参考。
毕业论文关键词：高新技术、融资现状、渠道分析
Small and medium-sized high-tech enterprises financing present situation analysis and innovative channels
Abstract ：The rapid development of high-tech enterprises in China, the innovation and development of China's economy and society plays a very important role. With the acceleration of the process of information in recent years , the small and medium enterprises because of their flexibility and high-tech market sensitivity characteristics , it is becoming an important factor in promoting national economic competitiveness , the importance to and vigorously develop high-tech enterprises , especially small and medium high-tech enterprises has important practical significance.
Because of asymmetric information , credit risk, intellectual property protection system is imperfect and other factors , China's small and medium high-tech corporate finance face obstacles . Financing difficulties making the development of these enterprises also face obstacles , especially in some early-stage innovative companies , due to the lack of fixed capital can be used to guarantee basically impossible to get capital support from banks and other financial institutions , credit risk issues and makes venture capital prohibitive , allowing companies to survive the difficulties , inability development.
This article will be based on the theoretical basis of corporate finance, credit risk , etc., through a representative survey of small and medium high-tech enterprises , as well as access to relevant foreign financing practice case of SMEs , SMEs in China high-tech enterprise financing channels, as well as the financing process the most talked about financing credit problems , innovative intellectual property financing , provide reference for China to expand and improve the financing channels for small and medium high-tech enterprises , and establish and improve credit risk management system financing.
Key words:High-tech, finance situation, channel analysis
 目  录
一、    中小型高新技术企业概述    1
(一)    中小企业的界定    1
(二)    高新技术企业及其与传统企业的区别    2
(三)    中小型高新技术企业    2
二、    企业融资的概述    3
(一)    企业融资定义    3
(二)    企业融资方式    4
(三)    企业融资困境分析    4
三、    中小型高新技术企业融资现状    5 中小型高新技术企业融资现状及创新渠道分析:http://www.youerw.com/kuaiji/lunwen_12078.html