在十一届全国人民代表大会第三次会议政府工作报告中，温家宝总理明确提出要
“大力培育战略性新兴产业；进一步促进中小企业发展；加强对中小企业金融支
持”。在可以向中小企业发展提供金融支持的机构中，银行占据最为关键的位置，
在培育战略性新兴产业中起触发和加速的关键作用

我国的科技型中小企业的融资难，融资成本高等问题早已成为了制约科技型
中小企业发展，科技成果有效转化的突出矛盾，为有效促进这一问题的解决，在
中国科技部、中国人民银行、中国银监会等的有效推动下，多地积极创新科技金
融服务手段，其中成立科技专营银行机构的做法较为常见。我国成立较早的科技
支行分别有：2009 年 1 月成立的成都银行科技支行和建行成都科技支行；2009
年 7 月成立的杭州银行科技支行，之后陆续成立的科技支行还包括有包括农行无
锡科技支行、平安银行深圳科技支行等。除了大量设立的科技支行，第一家具有
法人资质的科技银行是浦发银行和美国硅谷银行各出资50%于2012年设立的浦发
硅谷银行

我国成立的科技银行（支行）虽然有效支撑了科技型中小企业的发展，但是
企业融资难问题仍然大量存在。科技型企业在发展过程中仍然面临着很多的问题

如何务实的服务科技型企业，在风险可控的前体下加大对科技型中小企业的支持，
同时增加银行的收益是迫切需要思考和解决的问题

本文以绵阳市商业银行科技支行为研究对象，着重分析了四川及绵阳地区经
济发展环境，重点引入四川省内科技支行的运行数据及绵阳市商业银行科技支行
的发展数据，指出绵阳市商业银行科技支行发展中的优劣势、机遇及挑战，以美
国硅谷银行发展模式做参考，最终提出进一步支持绵阳市商业银行科技支行发展
的策略建议

本文的讨论和研究采用了定量和定性相结合，比较分析、实证分析相结合的西南科技大学硕士研究生学位论文
第 II 页
方法。整个研究内容分为六个部分：
第一章引言。阐述了本次研究的背景，研究的基础、介绍了省内 8 家科技支
行发展情况，以及国内外研究现状和本研究选题的必要性。介绍了科技银行发展
的理论研究

第二章重点分析了绵阳市商业银行科技支行发展面临的机遇

第三章主要阐述了绵阳市商业银行科技支行发展面临的挑战

第四章指出绵阳市商业银行科技支行发展的优势

第五章指出绵阳市商业银行科技支行发展的劣势

第六章给出了绵阳市商业银行科技支行发展策略研究。以美国硅谷银行的发
展策略为例，进而提出促进绵阳市商业银行科技发展策略的建议

关键词：科技金融 科技支行 发展战略 硅谷银行西南科技大学硕士研究生学位论文
第 III 页
Abstract
Small and medium-sized Sci-Tech enterprises play an important role to promote
the economic development and industrial transformation and upgrading of China.
In the report on the work of the government which was delivered at the Third
Session of the Eleventh National People&39;s Congress, Premiere Wen Jiabao clearly
indicated: We will foster emerging industries of strategic importance, we will further
promote the development of small and medium-sized enterprises, and we will
provide better financial support for small and medium-sized enterprises. Among the
organizations which can offer financial support to the development of small and
medium-sized enterprises, banks play the most important role of triggering and
accelerating to foster emerging industries of strategic importance.
Under the effective promotion of Chinese Ministry of Science and Technology,
the People’s Bank of China and the China Banking Regulatory Commission, many
areas innovate financial service means for Science and Technology to ease the small
and medium high-tech enterprises’ difficulty and expensive cost in financing and a
common idea is to establish Sci-Tech sub-branch bank(SSB). The first two SSBs of
Chengdu Bank and Chengdu Branch Bank of China Construction Bank were founded
in January 2009. After that, SSB of Hangzhou Bank was established in July, 2009. SSB
of Wuxi Branch Bank of China Agriculture Bank and SSB of Shenzhen Branch bank of
Pingan Bank joined one by one. Besides a lot of SSBs, Shanghai Pudong
Development(SPD) Silicon Valley Bank(SVB) was established as joint-venture bank
between SVB and SPD bank in 2012 with capacity corporate firstly and equal capital
investment.
The SSBs in our country support the development of small and medium Sci-Tech
enterprises efficiently, but there are still difficulties in financing. Sci-Tech enterprises西南科技大学硕士研究生学位论文
第 IV 页
still face many problems during their development. It is an urgent problem to be
thought about and solved that how to serve the Sci-Tech enterprises practically, offer
more support to small and medium Sci-Tech enterprises under controlled risk and raise
banks’ income.
SSB of Mianyang Ctiy Commercial Bank(MCCB) is the main research subject in
this paper. This research emphatically analyzes the economical development
environments in Sichuan province and Mianyang City, introduces the operational data
of Sci-Tech banks in Sichuan province and the development data of SSB of MCCB,
points out the advantages, disadvantages, opportunities and challenges during the
development of SVB of MCCB. As reference the development strategy of SVB,
proposes the strategic advices to further the development of SSB of MCCB finally.
Quantitative, qualitative, comparative and fact analysis are used in the discussion
and investigation in this paper which can be divided into six chapters.
Chapter one: Introduction. Background, topic meaning, 8 SSBs development
status in Sichuan province, research status and topic necessity are illustrated. The
theoretical research on Sci-Tech sub-branch are also introduced.
Chapter two mainly analyzes the development opportunities of SVB of MCCB.
Chapter three mainly illustrates the development advantages of SVB of MCCB.
Chapter four points out the development challenges of SSB of MCCB
Chapter five presents the development disadvantages of SSB of MCCB.
Chapter six indicates the development strategy study of SSB of MCCB. The
advices on advocating development of SSB of MCCB through analysis of the
development strategies of SVB.
Keyword: Science and technology finance；Science and technology sub-branch
bank；Development strategy; Silicon Valley Bank西南科技大学硕士研究生学位论文
第 V 页
目 录
1 绪 论 ...........1
1.1 选题背景.... 1
1.1.1 “科技与金融结合”上升至国家战略高度 ........ 1
1.1.2 四川成为全国全创改革试验区 .... 1
1.1.3 绵阳是中国唯一“科技城” ........ 2
1.1.4 四川省 8 家科技支行的发展概况4
1.1.5 绵阳市商业银行科技支行的发展概况 .... 5
1.2 研究的意义 6
1.2.1 助推四川省科技金融深度融合发展 ........ 6
1.2.2 助力绵阳市军民融合产业发展 .... 6
1.2.3 促进绵阳市商业银行加快转型发展 ........ 6
1.3 科技银行及科技金融相关概念 .... 6
1.3.1 科技银行概念界定6
1.3.2 科技银行性质和功能 ........ 7
1.3.3 科技银行运作模式8
1.3.4 科技金融的概念 .... 8
1.4 国内外研究概述及简析 .... 9
1.4.1 国内外科技银行发展现状9
1.4.2 国内外科技银行发展模式9
1.4.3 科技银行发展过程中存在的问题 .......... 11
1.5 研究方法、思路和框架 .......
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