本文選題：科技型中小企業(yè)　切入點：科技銀行　出處：《對外經(jīng)濟貿(mào)易大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：我國商業(yè)銀行等金融機構(gòu)擁有大量的閑置存款未被有效利用，而大多數(shù)科技型中小企業(yè)卻在為貸款無門而犯愁，，致使他們錯失發(fā)展良機。本文主要圍繞這個問題展開研究，通過認(rèn)真分析美國硅谷銀行的貸款投資模式運營機制，提出應(yīng)大力發(fā)展符合我國市場規(guī)律的科技銀行模式，如大力發(fā)展具有獨立法人資格的科技銀行，因為這種科技銀行既能夠為解決科技型中小企業(yè)貸款融資發(fā)揮有效的作用，也能讓商業(yè)銀行在為科技型中小企業(yè)提供貸款融資時獲取最大化的經(jīng)濟效益，使銀行自身的金融資源得到有效的利用，從而實現(xiàn)雙方的“共贏”。 文章主要采用文獻研究法、信息研究法和經(jīng)驗總結(jié)法進行研究，收集整理了國內(nèi)外科技銀行的重要信息。通過構(gòu)建OLS模型來分析驗證浦發(fā)硅谷銀行的盈利能力，并提出應(yīng)在我國大力發(fā)展這種具有獨立法人資格的科技銀行模式等相關(guān)建議。
[Abstract]:Commercial banks and other financial institutions in China have a large number of idle deposits that have not been effectively utilized, while most of the small and medium-sized technological enterprises are worrying about loans, resulting in their missing opportunities for development. This paper mainly focuses on this issue. By analyzing the operation mechanism of loan investment mode of American Silicon Valley bank, this paper puts forward that we should vigorously develop the scientific and technological bank model that conforms to the law of our country's market, such as developing science and technology bank with independent legal personality. Because this kind of science and technology bank can not only play an effective role in solving the loan financing of small and medium-sized technological enterprises, but also enable commercial banks to obtain the maximum economic benefits when providing loan financing for small and medium-sized technological enterprises. So that the bank's own financial resources are effectively utilized, thus realizing the "win-win" between the two sides. This paper mainly adopts the methods of literature research, information research and experience summarization, collects and collates the important information of science and technology banks at home and abroad, and analyzes and verifies the profitability of Pufa Silicon Valley Bank by constructing OLS model. The paper also puts forward some suggestions on how to develop this kind of technology bank model with independent legal personality in our country.
【學(xué)位授予單位】：對外經(jīng)濟貿(mào)易大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.44

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