摘要:随着经济的发展和科技的进步，近年来我国的高新技术企业发展势头良好，对我国经济和社会的进步都起到了重要的推动作用。伴随着信息产业化发展进程的加速，消费者的需求变化和市场竞争的愈演愈烈，高新技术企业已经成为决定国家经济竞争软实力的一个非常重要的因素，因此，重视和努力推进发展高新技术企业对于一个国家，尤其是发展中国家具有重要的现实意义。然而，由于高新技术企业具有其自身的特殊性，以及信息交流的不对称，信用体系尚不完善，我国的融资体系还多多少少存在一些不足，使高新技术企业，特别是中小型发展中的高新技术企业面临融资难的问题。

　　　全文分四个层次：第一，对研究的背景意义、内容框架、方法以及研究现状作了介绍；第二，阐述了融资模式理论以及高效技术企业的特点和融资现状；第三，这是本文的实证分析部分，以前面理论的研究为铺垫，用徐州本地一高新技术企业融资案例来加以验证。第四，分析案例融资过程中的问题和原因，找出解决对策，为企业的发展提供参考意见。

　　　本文主要是用定性加定量的构方法建出分析框架，以此来分析评价企业融资模式是否存在问题。在分析中，本文并不是笼统地对企业的财务报表进行盲目评价，而是结合企业的具体财务状况与相关企业进行比较分析。本文通过对徐州上若科技有限公司的融资分析，找出其融资中存在的问题，并在最后提出解决措施，供企业参考借鉴。

关键词 高新技术企业；融资模式；风险分析

Abstract:With the economic development and the advancement of technology, In recent years, our high-tech enterprises have playde an important role in our social. The Information industry is    developing and the consumers` demands is changing. This situations make market competition more and more intensified. We should awareness the high-tech enterprises have become a very important factor in determining national economic competitiveness. So promoting the development of high-tech enterprises for a country is very important, especially in the developing countriest. However, due to the high-tech enterprise with its own characteristics, the credit system is not perfect in our conntry and financing system also have some shortcomings. Therefore the high-tech enterprises especially small and medium-sized high-tech enterprises are facing with the problem of financing.

　　　This paper is divided into four levels. Firstly, we should introduce the significance of the background, content and methods. Secondly, this thesis introduce the theory of financing model and the situantion of high-tech enterprises. Thirdly, this is the empirical analysis part of this article. In order to displaying this paper with direction we use financial indicators of a local high-tech enterprises in Xuzhou financing. Lastly this paper analyzes the financing problems and analysis reasons to find a solution.

　　　This article is mainly use the method of qualitative and quantitative to built analytical framework. Therefore we can analysis whethe this high-tech enterprise have financing problems. Based on the Xuzhou shangruo Technology Co., Ltd we can analysis financial problem more thorough. in the last of the paper we proposed solutions for this company.

Keywords: High-tech enterprises  Financing model  Risk Analysis