摘要:科技型中小企業經過20多年的發展，已經成為支持國民經濟發展的重要力量，在擴大就業、提高產品的科技含量及增加出口貿易方面都發揮了積極重要的作用。然而，縱觀科技型中小企業的發展現狀，大量中小企業，尤其是高科技、創新型企業缺乏在國內資本市場獲得直接融資的渠道，融資難已經成為影響這一類企業發展的一個亟待解決的問題，其中比較突出的是科技型中小企業融資難的問題。為解決這一難題，學術界進行了一系列的探索，所提出的觀點繁多。

　　　本文通過對近兩年來學者對科技型中小企業融資問題的研究文獻的歸納整理，以深圳科士達科技股份有限公司為例對其融資現狀進行分析,發現目前公司在融資方面存在著融資渠道單一、周轉資金不足、籌資成本高的問題，出現這些問題有公司自身的原因，該公司是科技型企業，它的發展特點會導致企業在融資方面受到阻礙，同時公司管理制度的不健全也是出現融資問題的重要原因。當然除了內部因素外，也有銀行和政府方面的原因。本文從公司自身、銀行、政府三方面提出了一些解決問題的建議，希望對解決科技型中小企業融資問題的進一步研究有所幫助。

關鍵詞 ：科技型企業；融資現狀；融資問題

Abstract:Science and technology small and medium enterprise after 20 years of development, has become an important force to support the development of the national economy, it plays a positive and important role in expanding employment, increasing the technological content of products and increasing export trade. However, throughout the development actuality of technology-based small and medium enterprises, a large number of small and medium enterprises, especially high-tech and innovative enterprises, lack direct financing channels in the domestic capital market, the financing problem has become an urgent problem affecting the type of enterprise development, the financing problem of the tech SMES is more prominent. In order to solve this problem, academia conducted a series of exploration and put forward the views of various. 

　　　In this paper, according to collate and analyze the research literature scholars in the financing problem of small and medium-sized enterprises of science and technology in the past two years. Shenzhen KSTAR science and technology co., ltd as an example were analyzed the financing situation and found that the company has the single financing channel, lacking of working capital and the high cost of the problems in financing. these problems with the company’s own reasons, the company is a science and technology enterprise, the characteristics of its development will lead to hampered enterprise in financing, the company’s imperfect management system is the important reason of the financing problem . Of course, in addition to the internal factors, there are reasons for banks and the government. This paper puts forward some suggestions to solve the problem from the three aspects of company, bank, government, hoping to be helpful to the further study to solve the financing problems of technology-based SMES.

Keywords ：Science and technology enterprises   Financing status   Financing problems