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与之对应，金融体系也应当给予高新技术企业发展以金融支持，科技支行即是金融系
统予以支持的重要体现。本文将 A 银行天安科技支行当作本文的研究对象，并在借鉴
国内外其他地区，特别是美国硅谷银行的先进模式和经验研究天安科技支行的目前发
展情况，并进而探究科技银行整体建设以及推广的高效方式
本文结合采用了文献阅读和案例分析法等研究方法，对天安科技支行展开研究，
从选题背景和意义出发，剖析了科技银行的相关概念和海内外的研究现状，研究当前
天安支行的现状，并提出存在的几点问题，包括科技金融产品的针对性不强、科技信
贷业务规模范围不高、科技信贷授信条件较为严苛等方面，部分原因在于产品创新能
力缺乏以及审批流程存在一定的阻碍等，再此基础上，提出天安科技支行的对策建议，
包括推进科技金融产品的创新建设、简化审批流程及降低融资成本、加强人才的培养
和机构的合作以及健全推进法律制定和政策扶持
本文的研究能够真正的帮助科技银行解决当前整体效率较低，创新能力较弱等问
题，以及遭受互联网金融强烈冲击的前提下，提升银行的整体竞争力，真正寻找应对
高新技术中小企业融资面临困难的有效方法，对科技银行在我国的健康发展提供良好
的实践意义和借鉴效果
关键词：科技支行；中小企业；科技金融；科技创新II
ABSTRACT
At the Davos Forum in September 2014, Premier Li Keqiang made the call for public
entrepreneurship innovation for the first time in public places. Since then, Premier Li
Keqiang has been in the first World Internet Conference, the State Council executive
meeting and various occasions Times to elaborate on this keyword, innovation has become
a national level of strategic layout. The innovation and development of high-tech enterprises
is of great significance to the accelerated transformation of China&39;s economic structure and
the establishment of independent innovation system. Correspondingly, the financial system
should also give high-tech enterprises to develop financial support, science and technology
branch is the financial system to support an important manifestation. This article will be a
bank Tianan Science and Technology Branch as the object of this article, and learn from
other parts of the country, especially the United States Silicon Valley, the advanced model
and experience of Tianan Science and Technology Branch of the current development, and
then explore the overall construction and promotion of science and technology banks The
efficient way.
In this paper, we use the methods of literature reading and case analysis to study the Tian&39;an
Science and Technology Branch, from the background and significance of the topic, analyze
the relevant concepts of science and technology banks and the research status at home and
abroad, study the current status of Tian&39;an sub- And put forward some problems, including
the lack of targeted scientific and technological products, science and technology credit
business scale is not high, credit and credit conditions are more stringent, etc., in part
because of lack of product innovation and approval process there is a certain obstacle And
then on this basis, proposed Tianan Science and Technology Branch of the countermeasures
and suggestions, including the promotion of scientific and technological financial products,
innovation, simplify the approval process and reduce financing costs, strengthen the training
of personnel and institutional cooperation and sound to promote legal development and
policy support.
The research of this paper can really help the technology bank to solve the current overall
efficiency is low, weak innovation and other issues, and suffered a strong impact on the
Internet financial under the premise of improving the overall competitiveness of banks, and
truly looking for high-tech SMEs financing difficulties The effective method of science and
technology banks in China&39;s healthy development to provide a good practical significanceIII
and learn from the results.
Key Words: Science and Technology Branch; Small and Medium Sized Enterprises;
Science and Technology Finance; Scientific and Technological InnovationIV
目 录
摘要...I
ABSTRACT.........II
第 1 章 绪 论.1
1.1 研究背景及意义..........1
1.1.1 研究背景....1
1.1.2 研究意义....1
1.2 国内外研究综述..........2
1.2.1 国外研究综述........2
1.2.2 国内研究综述........3
1.3 研究内容及方法..........5
1.3.1 研究内容....5
1.3.2 研究方法....5
2.1 科技银行的概况..........7
2.1.1 科技银行的定义性质.........7
2.1.2 科技银行的运作模式.........7
2.1.3 科技银行的外部环境.........8
2.2 硅谷科技银行先进案例..........9
2.2.1 美国硅谷银行发展历程.....9
2.2.2 美国硅谷银行发展特点.....9
2.3 国内科技银行发展概况........10
2.3.1 国内科技银行发展历程...11
2.3.2 国内科技银行发展特点...11
3.1 A 银行天安科技支行的基本情况.....14
3.1.1 历史沿革及发展概况......14
3.1.2 信贷产品与内部管控......15
3.2 A 银行天安科技支行发展存在的问题.........16
3.2.1 科技金融产品与服务的针对性不强
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