摘要
小企业作为我国实施大众创业、万众创新的重要载体，在增加就业、促进经
济结构转型以及科技创新方面具有不可替代的作用。我国将产业结构调整和升级
的重任，交给前述的科技型小企业。但是，小企业的发展离不开充足的资金支持，
科技型小企业的发展也不例外。大量的科技型小企业依然面临着巨大的资金缺口，
严重遏制其进一步发展。然而，科技型小企业自身具备的“高投资、高收益、高
风险”的特征，使得科技型小企业很难从金融机构获得融资填补资金缺口。这种
现状，对商业银行来说是一个巨大的机遇，它们可以发挥自身的区位优势，改善
科技型小企业的融资困境，同时借助科技型企业的融资需求进一步拓宽自己的业
务
本文从商业银行的角度，对商业银行参与科技型小企业信贷业务进行研究，
结合具体案例对NJ银行参与科技型小企业信贷的具体措施、存在的问题进行分
析，并针对存在的问题从名单制选择客户、加大产品和服务创新、培养科技金融
复合型人才团队、优化准入流程、简化审批流程以及多措并举防控不良贷款六个
方面提出NJ银行科技型小企业信贷业务拓展对策。为商业银行开展科技型小企
业信贷业务提供借鉴
本文主要分为六个部分：第一部分，绪论。主要对研究的必要性、意义以及
研究思路进行论述；第二部分，相关概念及理论基础。对相关定义、国内外文献
综述以及相关理论进行介绍，为研究奠定理论基础；第三部分，南京市科技型小
企业信贷融资现况分析。对南京市在信贷业务中对科技型小企业的支持以及科技
型小企业的融资特点进行分析，由此得出对科技型小企业的信贷支持在现实操作
中的难点；第四部分，NJ银行科技型小企业信贷业务发展现状。结合NJ银行的
现实开展小企业科技型贷款的情况，发现其在具体业务操作中的难点，并加以分
析；第五部分，NJ银行科技型小企业信贷业务拓展对策。针对NJ银行开展科技
型小企业信贷业务所存在的问题提出解决对策。通过以上分析，本文存在六个方
面的问题：目标客户不明确、现有产品服务滞后、懂银行同时懂行业的复合型人
才不多、准入流程繁琐、审批流程繁琐以及防控不良贷款手段少。本文针对以上
问题从六个方面提出对策，名单制选择客户、加大产品和服务创新、培养科技金
融复合型人才团队、优化准入流程、简化审批流程以及多措并举防控不良贷款；
第六部分，结论
本文采用文献总结、理论结合实际以及经验总结法对NJ银行科技型小企业
信贷业务的拓展进行研究，其主要意义在于通过对具体案例的分析，可以使商业
银行可以从中得到一定的启发，有针对性的制定出适合自身关于科技型小企业的
信贷拓展办法，从而切实有效的推进相关业务的持续发展以及风险控制，从而实
现银企双赢
关键词：科技型小企业，信贷业务，NJ银行
ABSTRACT
As an important carrier for the implementation of mass entrepreneurship and
innovation in China, small enterprises have an irreplaceable role in increasing
employment, promoting economic structure transformation and scientific and
technological innovation. China has transferred the important task of industrial
restructuring and upgrading to the above-mentioned small and medium-sized
enterprises. However, the development of small businesses is inseparable from
adequate financial support, and the development of small technology-based
enterprises is no exception. A large number of technology-based small businesses are
still facing huge funding gaps, which seriously curtail their further development.
However, the characteristics of high investment, high income and high risk have
made it difficult for small and technological small enterprises to obtain financing gap
from financial institutions. This situation is a great opportunity for commercial banks.
They can give full play to their own regional advantages, improve the financing
difficulties of small scientific and technological enterprises, and further broaden their
business with the help of the financing needs of scientific and technological
enterprises.
From the perspective of commercial banks, this paper studies the credit business
of commercial banks in small and technological small enterprises, and analyses the
specific measures and existing problems of NJ banks' participation in the credit of
scientific and technological small enterprises with specific cases, and aims at the
existing problems to select customers from the list, increase products and service
innovation, and cultivate science and technology. The financial compound talents
team, the optimization of the access process, the simplified examination and approval
process, and the six aspects of the prevention and control of non-performing loans are
put forward in the six aspects of the credit business expansion of the small enterprises
in the Bank of science and technology. It provides reference for commercial banks to
develop credit business for small and medium-sized technology enterprises.
This article is mainly divided into six parts: the first part is introduction.
It mainly discusses the necessity, significance and research ideas of the study;
the second part, related concepts and theoretical basis. The relevant definitions,
domestic and foreign literature review and related theories are introduced to la
y a theoretical foundation for the research. The third part, analysis of the curre
nt situation of credit financing for small and technological small enterprises in。