摘要
中小企业走专精特新道路实现高质量发展,在新时代国家发展战略中具有重要意义,也是实现高水平科技自立自强的重要路径。本文对专精特新企业的财务报表进行了分析,认为商业银行支持专精特新企业发展取得了显著成效,但还存在一些突出问题,进一步分析其原因,主要是金融服务供求两端仍然存在多重约束。因此,需要正确认识商业银行在支持企业科技创新中的作用,明确其意义与重点,抓住数字经济发展带来的机遇,充分利用数字技术与金融科技,从五个方面加快银行自身转型,赋能中小企业发展。
It is of great significance for small and medium-sized enterprises to take the road of specialization and innovation to achieve high-quality development in the national development strategy in the new era, and it is also an important path for China to achieve high-level scientific and technological self-reliance. Based on the analysis of the financial statements of specialized and sophisticated enterprises that produce new and unique products, this paper holds that the support of commercial banks has achieved remarkable results, but there are still some outstanding problems. The main reason is that there are still multiple constraints between the supply and demand of financial services. Therefore, it is necessary to correctly understand the role of commercial banks in supporting enterprises’ scientific and technological innovation, clarify its significance and key points, seize the opportunities brought by the development of digital economy, and make full use of digital technology and financial technology to accelerate the transformation of banks themselves from five aspects to empower the development of small and medium-sized enterprises.
作者
蒋亮
罗幼强
何明圆
Jiang Liang;Luo Youqiang;He Mingyuan
出处
《西南金融》
北大核心
2023年第1期16-28,共13页
Southwest Finance
关键词
科技创新
高新技术企业
科技金融
中小企业
融资约束
数字化转型
数字经济
新发展格局
technology innovation
high-tech enterprises
technology finance
SMEs
financing constraints
digital transformation
digital economy
new development pattern
