中文摘要：

科技型小微企业在融资过程中面临的主要问题是缺乏贷款的“抵押和担保物”，网络联保贷款模式作为一种新兴的联保贷款模式，有效地解决了贷款过程中的信息不对称风险和道德风险。科技型小微企业由于缺少担保和抵押物，而且大部分科技型小微企业与互联网、计算机、装备制造等高精尖技术紧密联系，使得网络联保模式天然地适用于科技型小微企业。阐释了科技型小微企业的融资现状和困境、应用网络联保模式的优势、现状和风险控制事项，力图为科技型小微企业融资开辟新的路径。

英文摘要：

The lack of ＂loan collateral and guarantee＂ is the biggest problem for Technology-based SMB in the financing process, the network joint guarantee loan mode as a new loan mode solve the ＂information asymmetry ＂ and ＂ moral risk ＂ in loan process effectively. Due to the lack of guarantees and collateral and most of the Technology-based SMB has close contact with the Internet, computer, equipment manufacturing and other sophisticated technology. The network joint guarantee loan mode is suitable for Technology-based SMB. This paper explains the present financing situation and diffi- culties of technology-based SMB . We explain the advantages, status and risk control in using the network joint guarantee loan mode, in order to opens up a new path for technology-based SMB financing.