后疫情背景下金融机构开展服务科技型中小（微）企业融资的探索与实践：以浙江为例

由于新冠肺炎疫情的持续影响，科技型中小（微）企业面临着资金周转和融资难的困境，财务脆弱性风险较为明显。这其中既有企业内部的原因，也有社会经济环境、市场状况和金融服务等外部环境因素。本文将对后疫情背景下金融机构服务和促进科技型中小（微）企业融资问题进行理论溯源，并以浙江为例，分析金融机构服务科技型中小（微）企业融资实践中面临的难题，并提出建立风险偿债基金、构建多层次信息平台、将人力资本作为授信额度担保的重要依据、聚焦创新创业生态体系建设等对策和建议，以期助力科技型中小（微）企业“转危为机”，推动投融资服务转型升级。

The exploration and practice of financial institutions to provide services to science and technology-based small and medium-sized (micro) enterprises in the context of post epidemic situation: Take Zhejiang Province as an example

Due to the continuous affect of the novel coronavirus pneumonia, science and technology-based small and medium -sized (micro) enterprises are facing difficulties in capital turnover and financing, and the risk of financial vulnerability is more obvious. There are not only internal reasons, but also external environmental factors such as social and economic environment, market conditions and financial services. This paper traces the source of the problem of financial institutions serving and promoting the financing of science and technology-based small and medium-sized (micro) enterprises under the background of post epidemic situation, and take Zhejiang Province as an example to analyze the difficulties faced by financial institutions in financing practice of science and technology-based small and medium-sized (micro) enterprises. It also puts forward some countermeasures and suggestions, such as the establishment of risk debt repayment fund, the construction of multi-level information platform, the use of human capital as an important basis for credit line guarantee, and the focus on the construction of innovation and entrepreneurship ecosystem. We hope these suggestions can help science and technology-based small and medium-sized (micro) enterprises to "turn crisis into opportunity" and promote the transformation and upgrading of investment and financing services.