摘要：科学技术是第一生产力。科技型中小企业由于其创新力强、发展快、潜力大等特点，成为经济发展的有力推动因素。习近平同志就曾多次强调创新驱动发展，在此推动下，科技创新与企业生产的结合越来越密切，成为国民经济发展的重要力量。然而，高融资成本、窄融资渠道、宽泛的评价体系等问题伴随着科技型中小企业发展的各个阶段，许多科技型中小企业由于资金短缺并不能迎来长效的发展。首先，本论文通过查阅相关资料，结合数据对科技型中小企业融资现状和问题进行分析，并从内、外两方面剖析了科技型中小企业融资难的原因。其次，对比研究美国、日本、德国解决中小企业融资难问题的特点及有效经验。最后，在结合我国国情的前提下从三方面提出解决融资难的对策：构建融资信用评价体系、创新多层次融资市场和拓宽融资渠道。本论文旨在建立多层次、全方位、新视角的融资新方式，并以此解决科技型中小企业的融资问题，促进其持续发展，推动全国产业优化升级，国民经济和谐发展。　

关键词：科技型中小企业；融资；信用评价；融资渠道

Abstract：Science is the first productive force. Small and medium-sized S&T enterprises have become strong drive of economic development owing to the characteristics of strong innovation, fast development and great potential. President Xi has emphasized that innovation drives development. Thus, the connection between scientific innovation and enterprise’s development has become closer and closer, making it the major force of national economic development. However, problems such as high financing cost, narrow financing channel and board evaluation system has been with the development of small and medium-sized S&T enterprises. As a result, many enterprises can not achieve long-term and effective development due to the shortage of founds. This paper attempted to put forward solutions from three aspects, including to build the financing credit evaluation system, to innovate financing market and to broaden financing channel for financing difficulty through the analysis of current situation and problems of small and medium-sized S&T enterprises. Also, this paper has combined the experience from the USA and Japan and Germany, in terms of solving the financing problem of small and medium-sized S&T enterprises. Taking the situation of China into consideration, new financing methods should be built with multi levels, all directions and new perspective in order to slove financing problems with small and medium-sized S&T enterprises and facilitate the sustainable development as well as industrial optimize and upgrade throughout the country.

Keywords: Small and medium-sized S&T enterprises；finance；credit evaluation system； financing channel