PAGE\*MERGEFORMATII科技型中小企业融资难的成因及对策研究——基于杭州市的的调研摘要随着科技的进步和发展，科技型中小企业在我国的地位慢慢凸显出来，但发展的同时又出现了很多的问题。而本文主要研究的是杭州市科技型中小企业融资难的原因以及解决方法，从杭州市的调研中了解我国科技型中小企业的发展状况。研究这个课题可以让我们明确科技型中小企业的含义与内容，梳理科技型中小企业融资过程中遇到的问题并且深入研究融资难的成因和解决对策，最后借鉴其他市已经成功的解决对策，为杭州市解决问题或者为其他省或者市提供经验。本文主要是通过文献分析法和案例分析法来研究这个课题，从各方面具体了解科技型中小企业在我国为什么会有融资难的问题。关键词：科技进步；杭州市科技型中小企业；融资难；成因；对策；ResearchonthecausesandCountermeasuresoffinancingdifficultiesofsmallandmedium-sizedscientificandtechnologicalenterprises——ResearchBasedonHangzhouAbstractWiththeprogressanddevelopmentofscienceandtechnology,thestatusofsmallandmedium-sizedtechnology-basedenterprisesinChinaisgraduallyemerging,butatthesametime,therearemanyproblems.Thispapermainlystudiesthereasonsandsolutionsforthefinancingdifficultiesofsmallandmedium-sizedtechnology-basedenterprisesinHangzhou,fromtheinvestigationinHangzhou,wecanunderstandthedevelopmentofsmallandmedium-sizedscienceandtechnologyenterprisesinChina.Researchonthistopiccanhelpustoclarifythemeaningandcontentofsmallandmedium-sizedtechnology-basedenterprises,sortouttheproblemsencounteredinthefinancingprocessofsmallandmedium-sizedtechnology-basedenterprisesandstudythecausesoffinancingdifficultiesandsolutions.Finally,weshouldlearnfromthesuccessfulsolutionsofothercities,solveproblemsforHangzhouorprovideexperienceforotherprovincesorcities.Thispapermainlystudiesthissubjectthroughliteratureanalysisandcaseanalysis,fromallaspectsofspecificunderstandingofsmallandmedium-sizedtechnology-basedenterprisesinourcountrywhytherearefinancingproblems.Keywords:Scientificandtechnologicalprogress;HangzhouScienceandtechnologySMEs;Financingdifficulties;origin;countermeasure目录TOC\o"1-3"\h\uHYPERLINK\l_Toc3826摘要PAGEREF_Toc3826IHYPERLINK\l_Toc16590AbstractPAGEREF_Toc16590IIHYPERLINK\l_Toc4381一、绪论PAGEREF_Toc43811HYPERLINK\l_Toc8954（一）研究的背景PAGEREF_Toc89541HYPERLINK\l_Toc1974（二）本论文主要研究内容PAGEREF_Toc19741HYPERLINK\l_Toc25203（三）研究本论文的方法PAGEREF_Toc