本文關鍵詞： 陜西 科技型中小企業(yè) 科技金融 銀行 對策　出處：《西北農(nóng)林科技大學》2014年碩士論文　論文類型：學位論文

【摘要】：科技創(chuàng)新是一個國家和地區(qū)興旺發(fā)達的不竭動力，是社會生產(chǎn)力發(fā)展的源泉。科技型中小企業(yè)是以創(chuàng)新為根本使命的企業(yè)，現(xiàn)已成為區(qū)域科技創(chuàng)新的重要源泉，也成為區(qū)域經(jīng)濟社會發(fā)展的主要內(nèi)生力量。然而，科技型中小企業(yè)大都是集科技與資金風險于一身，以科研開發(fā)為先導的高投入、高風險企業(yè)，在科技創(chuàng)新實踐中，普遍面臨著融資難題，束縛其健康快速發(fā)展。對于這一普遍性問題，地處西部的陜西表現(xiàn)的更為突出，所以解決陜西科技型中小企業(yè)融資難題已成為陜西當今乃至今后一段時期的一件大事。 眾所周知，科技型中小企業(yè)要發(fā)展要創(chuàng)新，就須要資金的支持。而對于輕資產(chǎn)的科技型中小企業(yè)來說資金捉襟見肘。為此，金融機構(gòu)的支持就顯得尤為重要。金融支持科技自主創(chuàng)新發(fā)展,科技與金融結(jié)合協(xié)同創(chuàng)新是促進產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化升級、加快轉(zhuǎn)變經(jīng)濟發(fā)展方式和調(diào)整經(jīng)濟結(jié)構(gòu)的重要保障。目前,科技金融的重要性已經(jīng)得到了各級政府和學術界的高度認可與重視，科技金融結(jié)合也是科技發(fā)展的客觀必然，但現(xiàn)在國內(nèi)外還沒有具體可行的科技型中小企業(yè)與銀行貸款之間的可操作性強、可借鑒性高的運行模式。因此，研究如何解決科技型中小企業(yè)與銀行業(yè)金融機構(gòu)有效對接，破解科技型中小企業(yè)在創(chuàng)新中的融資難題，更好地促進科技型中小企業(yè)創(chuàng)新發(fā)展，具有重要的理論和現(xiàn)實意義。 本文在大量閱讀和分析國內(nèi)外相關文獻以及實際調(diào)查的基礎上，并緊緊跟隨全國都積極支持科技金融融合發(fā)展這一大背景下，結(jié)合陜西實際，圍繞“科技型中小企業(yè)與銀行對接”的研究核心，從科技開發(fā)貸款的發(fā)展歷程入手，詳細分析科技型中小企業(yè)與銀行對接的現(xiàn)狀、存在問題和對科技金融的迫切需求，在此基礎上，探索性提出促進陜西科技型中小企業(yè)與銀行對接的相關對策建議。具體框架如下： 第1章是導論。主要闡明了本研究的選題背景、研究目的和意義，概括論述了國內(nèi)外相關融資理論和文獻，指明了本研究的主要內(nèi)容及方法，并給出了研究框架。 第2章是基本概念和研究主體。主要論述了本文中涉及到的基本概念，并對研究中的各個主體及其關系進行分析。 第3章是我國科技型中小企業(yè)與銀行對接現(xiàn)狀。主要從歷史演進的角度闡述了科技型中小企業(yè)在銀行貸款的發(fā)展歷程，，以及發(fā)達國家金融支持企業(yè)現(xiàn)狀，論述了近年來國家、陜西開展科技金融結(jié)合試點工作的情況以及對科技貸款的啟示。 第4章是陜西科技型中小企業(yè)與銀行對接現(xiàn)狀及存在問題。重點對科技型中小企業(yè)與銀行雙方對接的現(xiàn)狀進行深入分析，采用規(guī)范分析方法厘清雙方對接過程中存在的主要問題，為下章提出有針對性的建議提供了指引。 第5章是促進陜西科技型中小企業(yè)與銀行對接的對策建議。本章是論文的落腳點，基于前面各章節(jié)研究的基礎，采用歸納演繹與對策研究相結(jié)合的方法，探索性的提出了雙方對接的對策建議。 第6章是全文總結(jié)與研究展望。重點提出論文的創(chuàng)新之處和研究不足。
[Abstract]:Technology innovation is an inexhaustible motive force for the prosperity of the countries and regions, is the source of the development of social productive forces. SME is the innovation as the fundamental mission of the enterprise, has become an important source of regional science and technology innovation, has become the main endogenous strength of regional economic and social development. However, small and medium-sized enterprises are mostly in science and technology and capital risk in a body, in order to research and development as the forerunner of the high investment, high risk enterprises in technological innovation practice, generally facing financing difficulties, and bound the healthy and rapid development. For this problem, located in the western Shaanxi performance is more prominent, so to solve the financing problems of science and technology in Shaanxi small and medium-sized enterprises has become a major event in Shaanxi today and in the future for a period of time.
As everyone knows, small and medium-sized enterprise development to innovation, it needs financial support. For SME asset light for funds. Therefore, the support of financial institutions is particularly important. Financial support for independent innovation of science and technology development, technology and financial integration of collaborative innovation is to promote the optimization and upgrading of industrial structure, accelerate the important guarantee change the mode of economic development and the adjustment of economic structure. At present, the importance of technology and finance has been a high degree of recognition and attention of governments and academic circles, but also the objective necessity of technological development of science technology and finance integration, but now there is no strong operability between specific SME feasible and bank loans, from the operational mode of high. Therefore, research on how to solve the effective docking of technology-based small and medium-sized enterprises and financial institutions in the banking industry, science and technology in crack It is of great theoretical and practical significance to improve the innovation and development of small and medium sized enterprises in the innovation of small enterprises.
Based on a lot of reading and analyzing the related literature at home and abroad and the actual investigation, and closely follow the national science and technology to actively support the development of financial integration this background, combined with the actual Shaanxi, around the "core of scientific and technological small and medium-sized enterprises and bank docking", starting from the development of science and technology development loans, a detailed analysis of present situation small and medium-sized enterprises and bank docking, there is an urgent need for the problem of science and technology finance, on this basis, put forward relevant countermeasures and suggestions to promote the Shaanxi science and technology small and medium-sized enterprises and bank docking. The specific framework is as follows:
The first chapter is the introduction. It mainly expounds the background, purpose and significance of the research, summarizes the related financing theories and literatures both at home and abroad, points out the main contents and methods of the research, and gives the research framework.
The second chapter is the basic concept and the subject of research. It mainly discusses the basic concepts involved in this paper, and analyzes the subjects and their relations in the study.
The third chapter is China's SME and bank docking status. Mainly from the perspective of the historical evolution of small and medium-sized enterprises in the development process of bank loans, as well as the developed country financial support enterprise present situation, discusses the country in recent years, the pilot work carried out in Shaanxi science and technology combined with the financial situation and the enlightenment to the loan of science and technology.
The fourth chapter is the Shaanxi SME bank and docking the status quo and existing problems. Through in-depth analysis of the status quo of SME and the two banks docking, the main problems to clarify both the docking process by using the method of normative analysis, targeted proposals to provide guidance for the next chapter.
The fifth chapter is the countermeasures and suggestions to promote the docking between Shaanxi science and technology SMEs and banks. This chapter is the foothold of the paper. Based on the previous chapters and the combination of inductive deduction and countermeasure research, the countermeasures and suggestions for bilateral docking are put forward.
The sixth chapter is the summary and research prospect of the full text. The emphasis is put on the innovation and lack of research.

【學位授予單位】：西北農(nóng)林科技大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F276.3;F275;F832.4

【參考文獻】

相關期刊論文 前10條

1 葉景圖;;廣東省科技金融工作:做法、成效與思路[J];廣東科技;2009年21期

2 鄧天佐;;“十二五”我國科技金融發(fā)展若干問題[J];中國科技投資;2011年12期

3 鄧道才;;完善安徽省科技型中小企業(yè)銀行貸款融資渠道對策建議[J];安徽科技;2010年10期

4 李文江;;日本促進中小企業(yè)科技創(chuàng)新的政策法律研究[J];決策探索(下半月);2011年06期

5 蘇植權;方秀文;;廣東科技型中小企業(yè)融資存在的問題、成因及對策研究[J];科技管理研究;2007年05期

6 唐雯;陳愛祖;饒倩;;以科技金融創(chuàng)新破解科技型中小企業(yè)融資困境[J];科技管理研究;2011年07期

7 段世德;徐璇;;科技金融支撐戰(zhàn)略性新興產(chǎn)業(yè)發(fā)展研究[J];科技進步與對策;2011年14期

8 龍云安;李澤明;;科技與金融結(jié)合機制突破的研究[J];科學管理研究;2012年01期

9 曹勇;科技與金融結(jié)合的現(xiàn)狀分析與對策研究[J];科學管理研究;1995年02期

10 李志剛 ,湯書昆;科技中介服務業(yè)建設水平評價指標體系研究[J];科學學與科學技術管理;2004年08期

本文編號：1509588