摘要:资金是企业运行的血液，企业的融资起到给企业输血的作用，企业采用什么样的融资方式才能顺畅、高效的为企业输入血液，是摆在我国政府和企业面前的一个重要课题。
世界经济日趋全球化的今天，中小企业特别是科技型中小企业成为了现代经济体系中的重要组成部分。改革开放以来，中国经济得到快速发展，科技型中小企业在增强国际竞争力、转变我国经济发展方式等方面发挥着越来越重要的作用。
但在科技型中小企业队伍不断壮大的同时，融资问题一直是制约他们发展的“瓶颈"。金融危机后，大量中小企业倒闭的事实更是说明了解决融资问题的必要性和紧迫性。本文通过分析我国科技型中小企业的融资方式的现状及存在的问题，借鉴国外科技型中小企业融资方式选择的成功经验，结合企业生命周期理论，为我国科技型中小企业融资方式的选择提供帮助。
关键词：融资方式；科技型中小企业；企业生命周期
Abstract:The financial ways of enterprises play a role in giving enterprise blood. Which kind of financial way could supply enterprises efficiently the fund is an important subject in the face of our government and enterprises.
With the development of world economics globalization ,the small and medium-sized enterprise specially the Tech SMEs has become important constituent in the modern economic system. Since reform and opening in China，along with rapid economic development，Tech SMEs have played an increasingly important role in enhancing the international competitiveness and transforming economic growth mode．
But with the continual growing of Tech SMEs，their problems of limited access to financing are always restricting their development．After the fnancial crisis,the fact that a large number of SMEs went bankrupt in the crisis shows that it is necessary and urgent to solve the problems．This paper finds the problems that financial ways of our Tech SMEs by analysing the current situation of the financial ways of Tech SMEs in our country。And then,accounting to the life—cycle theory,giving some suggestions for the options of the financial ways of Tech SMEs by learning from the successful experience of foreign Tech SMEs in financing methods.
Key words：the financial ways；Tech SMEs；life—cycle theory
改革开放以来，特别是进入新世纪以来，我国企业特别是中小企业不断发展壮大，已成为我国国民经济和社会发展的重要力量。随着以电子科技为主导的第三次科技革命的兴起和蓬勃发展，技术进步是经济增长的最主要因素，而科学技术的进步绝大部分出自新兴产业，也就是当今被热议的科技型中小企业。
目前，我国科技型中小企业有十余万家，从业人员1000多万人，科技型中小企业虽占我国全部中小企业的3．3％，却贡献了中国专利的60％和新产品的80％。科技型中小企业的发展必须有资金的支持，但由于科技型中小企业自身条件受限，及政府和银行贷款管理体制等的制约，再加上风险投资制度不完善，导致了科技型中小企业融资困难已经成为制约我国科技型中小企业快速发展的主要障碍。
