摘要
本文通过对苏州地区商业银行科技融资的实地调研,发现虽然科技支行纷纷筹建并实施创新的融资模式,但初创期科技型中小企业融资困境依旧,根本原因是贷款管理中风险收益的不匹配性。本文通过分析商业银行产品和制度创新对其风险收益变量的作用机制和影响效果,探索通过科技金融服务管理体系重构解决科技型中小企业融资难问题,并提出有针对性的政策建议。
Through the investigation on financial institutions in Suzhou Area,it discovered that small and medium-sized high-tech enterprises in seed stage are weak in debt financing although several science and technology branches have been established and put new financing model into practice,because of the non-matching state of the risk return in debt financing of commercial bank.This paper analyses the mechanism and implications on variables of risk return from financing products and institution innovation,exploring the possibilities and path for further financing innovation and proposes pertinent policies and suggestions to solve the financing predicament of small and medium-sized high tech enterprises.
出处
《中国软科学》
CSSCI
北大核心
2013年第1期61-71,71,共11页
China Soft Science
基金
国家自然科学基金项目"新技术商业化进程中商业模式对嵌套认同的调节功能及耦合进化"(70972054)
江苏省哲学社会科学研究基地项目"苏南产业结构转型与民间资本投资问题研究"(10JD030)
江苏省社科项目"江苏科技金融发展的探索与创新研究"(AA11000111)
