我國(guó)科技金融服務(wù)公司化發(fā)展模式研究及實(shí)例分析
發(fā)布時(shí)間：2019-04-11 12:39
【摘要】：2008年的金融危機(jī)席卷全球，從虛擬經(jīng)濟(jì)到實(shí)體經(jīng)濟(jì)，從美國(guó)本土到世界各地，進(jìn)而演變成為全球性的經(jīng)濟(jì)危機(jī)。中國(guó)作為開放世界中的一員，，同樣也在這場(chǎng)危機(jī)中受到“創(chuàng)傷”。這場(chǎng)危機(jī)中被淘汰的比較弱小而能力不足的中小企業(yè)使我們清楚認(rèn)識(shí)到，當(dāng)前經(jīng)濟(jì)現(xiàn)狀從而調(diào)整戰(zhàn)略整合市場(chǎng)，轉(zhuǎn)變經(jīng)濟(jì)發(fā)展方式的必要性和迫切性。經(jīng)濟(jì)轉(zhuǎn)型，必然是由落后的生產(chǎn)方式向更科學(xué)、更先進(jìn)、更高效的產(chǎn)業(yè)模式和增長(zhǎng)方式轉(zhuǎn)變。而推進(jìn)轉(zhuǎn)型的關(guān)鍵就是加快科技創(chuàng)新，讓科技領(lǐng)跑中國(guó)轉(zhuǎn)型之路。中國(guó)現(xiàn)在處于轉(zhuǎn)型的十字路口，通過2008年的金融危機(jī)，原本就缺乏資金的高科技中小企業(yè)，在現(xiàn)在的經(jīng)濟(jì)形勢(shì)下更是發(fā)展困難，如何為這些高科技企業(yè)開拓新的投融資渠道成了近年來重要的議題之一。而“硅谷銀行”模式無疑給了這些企業(yè)一條新的道路。因此，本文構(gòu)建了一個(gè)科技金融服務(wù)平臺(tái)，并分析其運(yùn)行模式，在借鑒了硅谷銀行的發(fā)展模式之后結(jié)合實(shí)際案例，試圖尋求一條適合中國(guó)國(guó)情發(fā)展的科技金融服務(wù)公司化發(fā)展之路。 本文共分為六章。第一章為緒論。包括研究的背景、意義、方法，并給出了研究思路。第二章為國(guó)內(nèi)外相關(guān)文獻(xiàn)綜述。對(duì)科技金融及科技金融服務(wù)中的創(chuàng)業(yè)風(fēng)險(xiǎn)投資、科技貸款和融資擔(dān)保機(jī)制進(jìn)行文獻(xiàn)回顧。第三章為科技金融服務(wù)平臺(tái)構(gòu)建及運(yùn)行模式研究。本章旨在構(gòu)建一個(gè)科技金融服務(wù)平臺(tái)并研究其運(yùn)行模式。第四章分析了硅谷銀行的發(fā)展模式。分別從硅谷銀行的市場(chǎng)定位、盈利模式、客戶選擇、風(fēng)險(xiǎn)控制及其與其他金融機(jī)構(gòu)的合作這幾個(gè)方面為中國(guó)金融市場(chǎng)的發(fā)展提供參考。第五章為實(shí)例分析。本章首先分析了中國(guó)創(chuàng)業(yè)投資的現(xiàn)狀，然后分析了創(chuàng)業(yè)投資的風(fēng)險(xiǎn)并提出了控制風(fēng)險(xiǎn)的措施，本文選取了無錫創(chuàng)業(yè)投資集團(tuán)有限公司所投資的一家“530”企業(yè)進(jìn)行研究。第六章為結(jié)論與展望，本章總結(jié)了本文的主要研究成果，提出研究的局限性并給出研究啟示和展望。 本文圍繞科技金融服務(wù)這個(gè)主題，在分析和借鑒內(nèi)外理論和實(shí)踐經(jīng)驗(yàn)基礎(chǔ)上，構(gòu)建了科技金融服務(wù)平臺(tái)并分析了硅谷銀行的發(fā)展模式，通過實(shí)證分析得出兩個(gè)研究結(jié)論：1、“硅谷銀行”模式給我國(guó)的金融機(jī)構(gòu)提供了一條借鑒之路，因此我國(guó)應(yīng)打造中國(guó)式的“硅谷銀行”；2、只有發(fā)現(xiàn)了投資中的風(fēng)險(xiǎn)，并且努力通過有限的資源來彌補(bǔ)這些“缺口”，才能做到有的放矢，使企業(yè)各種資源得到最有效的配置，提高投入資源的邊際效應(yīng)，充分發(fā)揮資源的協(xié)同作用，起到事半功倍的效果。
[Abstract]:The 2008 financial crisis swept the world, from virtual economy to real economy, from the United States to the world, and then evolved into a global economic crisis. China, as a member of the open world, has also been "traumatized" by the crisis. The small and medium-sized enterprises which have been eliminated in this crisis have made us realize clearly the necessity and urgency of adjusting the current economic situation to integrate the market and change the mode of economic development. Economic transformation, must be from backward mode of production to more scientific, more advanced, more efficient industrial model and growth mode. And the key to promote the transformation is to speed up scientific and technological innovation and let science and technology lead the way of China's transformation. China is now at the crossroads of transformation. Through the financial crisis of 2008, high-tech small and medium-sized enterprises, which originally lacked funds, are even more difficult to develop in the present economic situation. How to open up new investment and financing channels for these high-tech enterprises has become one of the important issues in recent years. The "Silicon Valley Bank" model undoubtedly gives these companies a new path. Therefore, this paper constructs a science and technology financial service platform, and analyzes its operation mode, after drawing lessons from the development model of Silicon Valley bank, combined with the actual case, Try to find a suitable way for the development of science and technology financial services corporatization. This paper is divided into six chapters. The first chapter is the introduction. Including the background, significance, methods and research ideas. The second chapter is a review of relevant literature at home and abroad. Literature review of venture capital, science and technology loan and financing guarantee mechanism in science and technology finance and science and technology finance services. The third chapter is the research on the construction and operation mode of sci-tech financial service platform. The purpose of this chapter is to construct a science and technology financial service platform and study its operation mode. The fourth chapter analyzes the development model of Silicon Valley banks. This paper provides a reference for the development of Chinese financial market from the aspects of market positioning, profit model, customer selection, risk control and cooperation with other financial institutions of Silicon Valley banks. The fifth chapter is an example analysis. This chapter first analyzes the present situation of venture capital in China, then analyzes the risk of venture capital and puts forward the measures to control the risk. This paper selects a "530" enterprise invested by Wuxi Venture Capital Group Co., Ltd to carry on the research. The sixth chapter is the conclusion and prospect, this chapter summarizes the main research results of this paper, puts forward the limitations of the research, and gives the enlightenment and prospect of the research. Focusing on the theme of sci-tech financial services, this paper constructs a platform of sci-tech financial services based on the analysis and reference of internal and external theories and practical experiences, and analyzes the development model of Silicon Valley banks. Through empirical analysis, two conclusions are drawn: 1, The model of "Silicon Valley Bank" provides a way for China's financial institutions to use for reference, so China should build a Chinese-style "Silicon Valley Bank"; 2. Only when risks in investment are identified and efforts are made to fill these "gaps" through limited resources can the target be targeted, so that all kinds of resources of enterprises can be allocated most effectively and the marginal effect of input resources can be improved. Give full play to the synergetic effect of resources, play twice the effect of half the effort.
【學(xué)位授予單位】：南京工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.39
本文編號(hào)：2456414
[Abstract]:The 2008 financial crisis swept the world, from virtual economy to real economy, from the United States to the world, and then evolved into a global economic crisis. China, as a member of the open world, has also been "traumatized" by the crisis. The small and medium-sized enterprises which have been eliminated in this crisis have made us realize clearly the necessity and urgency of adjusting the current economic situation to integrate the market and change the mode of economic development. Economic transformation, must be from backward mode of production to more scientific, more advanced, more efficient industrial model and growth mode. And the key to promote the transformation is to speed up scientific and technological innovation and let science and technology lead the way of China's transformation. China is now at the crossroads of transformation. Through the financial crisis of 2008, high-tech small and medium-sized enterprises, which originally lacked funds, are even more difficult to develop in the present economic situation. How to open up new investment and financing channels for these high-tech enterprises has become one of the important issues in recent years. The "Silicon Valley Bank" model undoubtedly gives these companies a new path. Therefore, this paper constructs a science and technology financial service platform, and analyzes its operation mode, after drawing lessons from the development model of Silicon Valley bank, combined with the actual case, Try to find a suitable way for the development of science and technology financial services corporatization. This paper is divided into six chapters. The first chapter is the introduction. Including the background, significance, methods and research ideas. The second chapter is a review of relevant literature at home and abroad. Literature review of venture capital, science and technology loan and financing guarantee mechanism in science and technology finance and science and technology finance services. The third chapter is the research on the construction and operation mode of sci-tech financial service platform. The purpose of this chapter is to construct a science and technology financial service platform and study its operation mode. The fourth chapter analyzes the development model of Silicon Valley banks. This paper provides a reference for the development of Chinese financial market from the aspects of market positioning, profit model, customer selection, risk control and cooperation with other financial institutions of Silicon Valley banks. The fifth chapter is an example analysis. This chapter first analyzes the present situation of venture capital in China, then analyzes the risk of venture capital and puts forward the measures to control the risk. This paper selects a "530" enterprise invested by Wuxi Venture Capital Group Co., Ltd to carry on the research. The sixth chapter is the conclusion and prospect, this chapter summarizes the main research results of this paper, puts forward the limitations of the research, and gives the enlightenment and prospect of the research. Focusing on the theme of sci-tech financial services, this paper constructs a platform of sci-tech financial services based on the analysis and reference of internal and external theories and practical experiences, and analyzes the development model of Silicon Valley banks. Through empirical analysis, two conclusions are drawn: 1, The model of "Silicon Valley Bank" provides a way for China's financial institutions to use for reference, so China should build a Chinese-style "Silicon Valley Bank"; 2. Only when risks in investment are identified and efforts are made to fill these "gaps" through limited resources can the target be targeted, so that all kinds of resources of enterprises can be allocated most effectively and the marginal effect of input resources can be improved. Give full play to the synergetic effect of resources, play twice the effect of half the effort.
【學(xué)位授予單位】：南京工業(yè)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2012
【分類號(hào)】：F832.39
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