关键词：科技金融科技支行硅谷银行
作者：张婷
指导老师：李晶英文摘要农行苏州科技支行发展现状及对策研究
II
The research on Agricultural bank of China suzhou
Sci-Tech Subbranch development present situation and
countermeasure
Abstact
The obstruction of financing for small and medium-sized enterprises of science and
technology is prevalent in our country. Especially in emphasizing the comprehensive
adjustment of economic structure, the role of science and technology in promoting
economy is becoming more and more obvious. As a prefecture-level city, more than 30
years of economic development in Suzhou has made remarkable achievements, all levels
of government has always stressed the need to rely on the development of science and
technology enterprises to complete industrial upgrading, and financial support is one of the
necessary conditions. In the past five years, Suzhou Science and Technology has flourished,
but there are still many problems in the development of several science and technology
sub-branches. The characteristics of small and medium-sized enterprises of science and
technology have caused it to be favored by traditional commercial banks, thus hindering
the overall loan of science and technology branch Size, the number of customers to further
break. This paper is based on the in-depth study of the status quo of the development of
Suzhou Science and Technology Branch of Agricultural Bank of China. It also finds out
and analyzes some existing problems and causes, further studies the successful mode of
development and operation of Silicon Valley Bank and some domestic science and
technology sub-branches, and points out some suggestions to promote the development of
science and technology ideas.
Key words:Technology and Finance、Sci-tech Finance、Silicon Valley Bank
Written by Zhang Ting
Supervised by Li Jing目录
第1章绪论.......1
1.1研究背景.......1
1.2研究的意义和目的...1
1.3研究的方法、思路与框架...2
1.3.1本文研究讲述的方法.2
1.3.2本文的思路与框架.....3
第2章相关理论回顾.......4
2.1中小企业融资相关理论.......4
2.1.1信息不对称理论.........4
2.1.2企业金融成长周期理论.........4
2.1.3金融缺口理论.5
2.1.4贷款风险定价相关理论.........6
2.2国内外研究综述.......7
2.2.1国外研究情况综述.....7
2.2.2国内研究情况综述.....8
第3章国内外科技银行发展经验借鉴.11
3.1科技银行制度的主要模式.11
3.1.1产生背景.......11
3.1.2科技银行的法人模式与支行模式...13
3.2国外科技银行的发展－以硅谷银行为例.13
3.2.1硅谷银行的发展历程和现状...........13
3.2.2硅谷银行的发展模式...........14
3.2.3硅谷银行的借鉴之处...........15
3.3国内科技银行的发展.........16
3.3.1发展概况.......16
3.3.2国内科技支行运营的共同特点.......18第4章农行苏州科技支行业务发展概况.........20
4.1农行苏州科技支行发展历程和现状.........20
4.1.1发展历程.......20
4.1.2发展现状.......21
4.2农行苏州科技支行发展特点.........23
4.2.1运营模式.......24
4.2.2投向与准入...24
4.2.3产品开发.......25
4.2.4对外合作.......25
第5章农行苏州科技支行发展存在问题及成因分析.28
5.1农行苏州科技支行发展存在的问题.........28
5.1.1信贷规模偏小、分布不平衡...........28
5.1.2产品创新不足，结构断层明显.......28
5.1.3获利模式单一，风险收益不对称...29
5.1.4信贷风险控制能力不足.......29
5.1.5缺乏充足的专业人才队伍...30
5.2问题的成因分析.....30
5.2.1组织构
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