Generally speaking ,technology‐based small & micro enterprises haven’t gained adequate financial support from the present financial system in China .The main problems are shown as follows :the inadequate financing channels in spite of the urgent fund demand of those enterprises ;the high financing cost due to the lack of efficient pledge of assets restricting the successful financing ;the imperfect capital market resulting in the obstructed channels of direct financing ;the lack of credit sys‐tem of small & micro enterprises and underpowered loans from the financial institutions etc .Therefore ,an integrated financial value chain should be structured on a macro‐level theoretically ,and on the other hand ,the key links of financial value chain need to be forged on a micro‐level in order to highlight the value of financial value chain .Moreover ,effective measures should be taken to enhance financial support for these enterprises such as to rapidly develop capital market to broaden direct financing channels ;to speed up the development of medium and small financial institutions to perfect financial service system ;to quicken the construction of credit rating system for small and micro businesses to ensure the information symmetry between banks and enterprises ;to establish classifying and multi‐layered financing system as well as to promote the extending of private capital in‐to financial capital to realize the seamless joint of the both .%当前的金融体系总体上对科技型小微企业的支持不足。主要表现为科技型小微企业资金需求迫切，融资渠道狭窄；有效资产抵押缺乏制约成功融资，融资成本高；资本市场不完善导致直接融资渠道不畅；小微企业信用体系缺失，金融机构贷款动力不足等。为此，理论上需要从宏观上，构建完整的金融价值链；在微观上，重点打造金融价值链的关键环节；在某些特定领域，凸显金融价值链的价值。从大力发展资本市场，拓宽直接融资渠道；加快中小金融机构发展，完善金融服务体系；加快小微企业信用评价体系建设，确保银企信息对称；构建分类化、多层次的融资体系以及促进民间资本向金融资本拓展，实现两者的无缝对接等方面加大对科技型小微企业发展的金融支持。
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