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I
商业银行对中小科技型企业信贷融资问题研究
——以 K 行科技支行为例
中文摘要
我国中小科技型企业是中小企业的重要组成部分，是扩散和转化高科技成果的重
要力量之一，是提高企业整体素质水平、调整和优化产业结构的重要途径，也是培育
新的经济增长点的重要保证。然而，与其他中小企业一样，融资难题始终羁绊中小科
技型企业的前行步伐。通过对目前我国中小科技型企业直接融资状况的考察，我们可
以发现：企业债券市场发育程度较低，即使是经营稳健、效益佳、资信好的大型企业
也难以通过发行债券的方式融资，更不用说中小企业了；又由于无论是公开上市的证
券市场还是私募资本市场，在规模、流动性、可靠性以及运作成本和效率方面都不能
满足风险资本退出的需要，使得风险投资运行艰难；即使是国家正在大力发展的政策
性“创新基金”对于众多中小科技型企业的资金渴求而言不过是杯水车薪。可见，我国
中小科技型企业的直接融资渠道极其不畅，在可预见的时期内仍将以银行等金融机构
提供的间接融资为主要融资渠道

商业银行作为间接融资最重要的主体，对中小企业发展的信贷融资起着最为关键
的作用。近年来随着中小科技型企业逐渐增多，信贷需求不断增强，商业银行也一直
在探索中小科技型企业信贷融资的发展道路，其中较为成熟的模式是成立专营机构-
科技支行

为了更好的让商业银行服务于中小科技型企业，解决中小科技型企业融资难问题，
本文从宏观和微观两个层面研究分析了 K 行科技支行在发展过程中出现的问题及产
生的原因，提出解决措施。本文的研究一方面丰富了商业银行应对中小企业融资需求
这一领域的理论体系；另一方面为商业银行的中小科技型企业信贷融资业务发展提供
了实际经验，有利于中小科技型企业和商业银行的共同发展

关键词：商业银行；科技支行；中小科技型企业；信贷融资
作者：庞大伟
指导教师：李晓峰英文摘要 商业银行对中小科技型企业信贷融资问题研究
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II
The Mechanisms of Commercial Bank Financing Mode
for Small and Medium-sized Enterprises of Technology
——Based on the science and technology branch of K
bank as an example
Abstract
Small and medium-sized enterprise of technology is an important part of small and
medium-sized enterprises, is the important power of the diffusion and transformation of
high-tech achievements, is an important way to improve the whole enterprise quality level,
adjust and optimize the industrial structure, and is an important guarantee of cultivating
new economic growth point. However, as with other small and medium-sized enterprises,
financing problem has always been the fetters of tech SMEs&39; development. Through the
investigation, at present our country science and technology small and medium-sized
enterprise direct financing status can be found: the enterprise bond market development
degree is low, even large enterprises have sound management, good benefit, credit good
also with difficulty through the issuance of bonds financing way, not to mention the small
and medium-sized enterprise; and because both publicly listed the securities market or the
private capital market, can not meet the need of venture capital exit in the scale, mobility,
reliability and operating cost and efficiency, make the risk investment operation difficult;
even if the policy is the country is to develop the innovation fund for many scientific and
technological small and medium-sized enterprises in terms of money desire is a drop in the
ocean. Visible, the direct financing channels for high-tech SMEs in our country is
extremely poor, indirect financing in the foreseeable period will continue to banks and
other financial institutions to provide for the main financing channels.
As the most important part of indirect financing,commercial banks play the most
important role in the development of credit financing to small and medium-sized
enterprises.In recent years, along with the increasing of small and medium sci-tech
enterprises,the demand of credit financing is increasing and commercial banks have also
been exploring the development path of credit financing to small and medium sci-tech
enterprises, in which the most mature mode is the establishment of science and technology
branch.商业银行对中小科技型企业信贷融资问题研究 英文摘要
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III
Letting commercial banks provide small and medium sci-tech enterprises with better
services and solving the financing difficulties of small and medium sci-tech
enterprises,from two levels of macro and micro,this paper analyzes the problems and
causes of the process in development of the science and technology branch of K
bank,putting forward the solving measures.On the one hand,this study enriches the
theoretical system in the field that commercial banks deal with the financing needs of small
and medium sci-tech enterprises;on the other hand,this study provides practical experience
for commercial bank to provide small and medium sci-tech enterprises with credit
financing business,helping small and medium sci-tech enterprises and commercial banks
achieve a common development.
Key Words: Commercial Banks;Science and Technology Branch;Small and Medium
Sci-tech Enterprises;Credit Financing
Written by：Pang Dawei
Supervised by：Li Xiaofeng
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目 录
第一章 绪论 ··1
1.1 研究背景......1
1.2 研究意义.......1
1.3 研究内容和方法思路..........2
1.3.1 研究内容........2
1.3.2 研究方法及思路........2
第二章 相关理论基础 ··4
2.1 科技金融基本概念..4
2.2 中小科技型企业的内涵......4
2.3 中小科技型企业的银行信贷融资问题理论..........5
2.3.1 企业融资的金融成长周期理论........5
2.3.2 信贷配给理论7
2.3.3 资本结构理论8
2.4 国内外研究现状......9
2.4.1 国外研究现状9
2.4.2 国内研究现状.......... 11
第三章 我国商业银行科技支行的发展 13
3.1 我国经济特点........13
3.2 我国中小科技型企业特点及融资现状....14
3.2.1 中小科技型企业特点..........14
3.2.2 中小科技型企业融资现状..15
3.3 我国科技金融政策18
3.4 我国商业银行科技支行发展概况....
。。。以上简介无排版格式，详细内容请下载查看