Current, in the height that the question with difficult financing of industry of little science and technology already caused whole society takes seriously. Ministry of science and technology is early establish before 4 years annual appropriate fund of innovation of medium and small businesses, the system such as stimulative bureau of the committee of science and technology of each district, industry also came on stage to it the items of photograph echo is various special give aid to fund. A few cities return open up assure the financing green passageway that pay interest in the form of a deduction when selling a bill of exchange borrows money, for example garden of Beijing ZhongGuanCun science and technology established a student studying abroad to loan, software exit loan, integrated circuit borrows money and to step on antelope plans loan last year 4 green passageway. In addition, the property right bourse of each district and equity trade intermediary orgnaization earlies childhood in was being offerred, small innovation enterprise has spread of financing raise fund channel. Anyhow, these act widened really in the financing channel of enterprise of little science and technology, but because means of every kinds of financing needs very tall enter a doorsill, financing of industry of because this is medium little science and technology chooses the financing means, optimal opportunity that how grasps financing with respect to existence, obtain the issue that wins the biggest profit with the smallest investment. In the different development phase of enterprise of little science and technology and its characteristic 　 from which management course of company of little science and technology looks, this kind of enterprise can differentiate for 5 phase: Seminal phase, development phase, income level, gain level and tall grow high devoted level. 1. Expression of seminal phase 　 just holds water for the company, lack operation record, the administrator of the company is technical leader normally, they are mastering certain technology, own copyright, copyright or patent even, have good tentative idea to the future of the company. This one phase is the most dangerous level, because the company does not have income support, facing an army likelihood disintegrate, company dies young, the powerful pressure that must open the market quickly to obtain cash shedding to prop up. 2. Expression of development phase 　 is fashioning archetypal product commonly for the company the exploration of sale of hand-in-hand quotations field. This one phase changes the materiality of product tentative idea of seminal phase, incorporate, conduce to the cohesive affinity that enhances company in-house staff, raise the exterior personnel judgement to company foreground, but the company still is faced with very big live pressure. The client report to the product, buy apiration and company whether what real to the improvement that the product undertakes asking according to the client and discovery client market becomes this stage is important think index. 3. Expression of income level 　 already had a client for the innovation product of the company, produced certain cash reserve in a bank to flow, but still cannot gain. Of this one phase the most important think the market that the element is a company is patulous the competitive ability of ability and product, and the administrative issue that exists possibly includes cost to control a problem to wait. In addition, product of representative of some companies support produces cash to flow to also attribute this one level, because the market develops the capital support that develops a need with the product,the sale that expression has product and acting product oneself for support still cannot be enclothed. 4. Expression of gain level 　 produces what already acquired the market to approbate for the innovation of the company, the product has certain competition ability, arose cash flows. Quickly financing enlarges the market to become the main financing feature of this one phase. These features show the company already overshot crises. 5. Tall grow expression of 　 of high devoted level compares stability to have the market of the product, cash shedding is abundant, production value increase rate and profit increase rate all are in 10% above, but still have financing need, the provisionality that because want development,new product need undertakes new larger investment and market are extended needs. In applying for ministry of science and technology, technology of industry of little science and technology innovates of ministry of fund 　 science and technology in fund of innovation of technology of industry of little science and technology is famous spend a kind of higher fund, the character that analyses this fund applies for fund of of all kinds innovation to have very strong enlightenment sex to the enterprise. The goal that innovation fund establishs is the need that innovates according to national economy structural adjustment and technology, encourage an enterprise to rely on free capital transfer of the government or loan of pay interest in the form of a deduction when selling a bill of exchange on the foundation that prepares partial capital oneself, accelerate the process of industrialization of achievement of science and technology of the enterprise, create new obtain employment opportunity, gain good economy and social benefit. Look from the fund guideline 2004, applying for fund is to the main condition of the enterprise: The first, the leading group has stronger market to develop ability and higher management level, have the consciousness that innovates continuously; The 2nd, have business performance of dovish financial structure and classics; The 3rd, the technical level of the project reachs home prospect of market of advanced level, product is good. 1. It is cost, effectiveness for a given period of time, difficult to raise fund because easy degree, benefit and fraud 　 apply for fund to need an enterprise to offer a series of relevant documents, reach before 2 when include project feasibility to analyse report, technology to check audit of office of accountant of new report, classics among them years the financial report of a month and expert recommend an opinion recently, finish these jobs to need to cost application unit 15 thousand, cost of 20 thousand yuan of cost, this has not been calculated the professional public figure that files an unit to because do not have compose feasibility,may report and the fee that pays intermediary the orgnaization, raise fund because of what this applies for fund cost is right in the expenditure that brushstroke does not poor also is enterprise of little science and technology. Next, prepare all sorts of reports thoroughly to need to come about 2 months, and if can win fund support,need half an year finally to come one year time. The 3rd, application difficulty is tall, application leads on the low side successfully, with was 2002 exemple, innovation fund receives a project to apply for 4816 in all (apply an item in those days among them 4215, go up project of year carry forward 601) , the evaluation that finish, evaluate 3344, ministry of classics science and technology, Ministry of finance approves project approving 780, successful rate is in 16% the left and right sides, and the year after year that files number as the project increases, competition is intense rate rises subsequently. The 4th, because fund support does not need pay back, because this does not have the pressure on finance affairs, and the intangible assets that obtains fund support to be able to promote a business greatly, it is the project that the enterprise should strive for most. Once apply for to fail,the risk of application basically is in centrally, the investment of early days sheds Zhu Dong. 2. The business of science and technology that fits object 　 in principle to once battalion develops level,be in every can apply for innovation fund, but be in apparently gain and tall grow the enterprise of high devoted level wins support more easily. Have good market prospect to because cannot judge innovation product from financial index,be in the enterprise of seminal phase and income level, because this is like the market that can provide tripartite to analyse report, management contract or report of user try out or opinion, have the strong thrust Jian of industry technology and market expert, manage the public figure that experience of rich market sale has in the group, can show congener innovation product already had successful operation record in abroad especially, can increase so obtain fund to support successful rate. In addition, in be aimed at, feasibility of compose of enterprise of little science and technology analyses the characteristic with not professional report, inviting professional intermediary orgnaization to hold a knife also is the main factor that deserves a consideration. Application assures 　 of loan of pay interest in the form of a deduction when selling a bill of exchange is current, the bank is top to the loan interest rate of medium and small businesses but rise is fiducial 70% of interest rate, and average bank needs to enough tangible makes pledge, tangible of this pair of lack, bank doorsill is really the innovation enterprise of intangible assets thering is no lack of however too tall. But use what each district comes on stage effectively to assure loan of pay interest in the form of a deduction when selling a bill of exchange can cross this one protective screen effectively, for example ZhongGuanCun science and technology assures company open up loan assures green passageway, want an enterprise to have partial tangible only, through credit grade, by right of intangible assets, sale money of contract, receivable Zhang and main industry leader owe an individual the acceptance of infinite joint liability assures to be able to apply for bank loan pay interest in the form of a deduction when selling a bill of exchange to assure. Particular loan amount from 1 million differ to 30 million yuan, and loan interest is smaller than standard interest rate, accordingly it should be medium enterprise of little science and technology is striven for indebted the variety of first selection financing that run. 1. It is cost, effectiveness for a given period of time, difficult to raise fund easy degree, benefit and fee of application of fraud 　 early days basically include to credit grade expends 2000-5000 yuan, register accounting audit to expend 2000 yuan / portion (if have oneself,register accountant to be able to be saved) , add up to 2000-11000 about yuan. The oneself quality that applies for efficiency basis to apply for an enterprise is distinguished somewhat (arise by the accident that submits a document) , come in 15 days commonly 60 daytime, the material demand that opposite Yu Shen asks fund and character prepares is not high, preparation is easier. The capital cost that the advantage is borrowing money at comparing other folk sth used to one's own advantage and place of normal bank loan requires is low; And, can build with assure the connection of orgnaization of grade of company, bank, credence, those who add a company is famous spend and credit is spent; In addition, through finance affairs lever and section tax effect can promote a company effectively value. Inferior position depends on, if the project gain measurement that the enterprise uses fund cannot enclothe interest expenses, can erode a profit gains, and once the project fails,the likelihood causes business failure. In addition, if cannot pass level of grade of early days credence, also can make early days throws dozen of water to float. 2. Suit an object Previous12 Next

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