本文選題：商業(yè)銀行　切入點：科技型中小企業(yè)　出處：《河南財經(jīng)政法大學(xué)》2017年碩士論文

【摘要】：大眾創(chuàng)業(yè)、萬眾創(chuàng)新的“雙創(chuàng)”熱潮不斷推動我國全民創(chuàng)新,科技創(chuàng)新儼然已在我國經(jīng)濟發(fā)展中占據(jù)重要位置,而科技型中小企業(yè)作為我國科技創(chuàng)新的重要支持力量,被國家視為重點扶持對象之一。尤其是在解決科技型中小企業(yè)面臨的融資瓶頸問題上,國家采取了一連串政策性鼓勵措施,“投貸聯(lián)動”即商業(yè)銀行“股權(quán)+債權(quán)”的融資方式或?qū)⒊蔀榻窈罂萍夹椭行∑髽I(yè)獲得資金支持的重要途徑。但由于科技型中小企業(yè)尚存在管理制度不健全、市場前景不明及風(fēng)險防控體系不完善等一系列問題,使得商業(yè)銀行科技型中小企業(yè)信貸融資面臨較大的經(jīng)營風(fēng)險、信用風(fēng)險及逆向選擇,而銀行投資收益與風(fēng)險錯配以及其融資制度的固有局限性給科技型中小企業(yè)獲得信貸資金增加了新難度,對此,“科技貸”項目成為科技型中小企業(yè)信貸融資的專業(yè)性通道,但也面臨信貸風(fēng)險管理成本高、企業(yè)價值難以準確評估、專業(yè)化程度不高等一系列風(fēng)險管理問題。對此,我國商業(yè)銀行必須加快其信貸風(fēng)險管理制度的創(chuàng)新,支持科技型中小企業(yè)發(fā)展,如創(chuàng)新發(fā)展相關(guān)科技金融機構(gòu)、約束與鼓勵制度相結(jié)合、建立呆賬與壞賬備用金制度等,同時踐行信貸風(fēng)險客戶、產(chǎn)品、行業(yè)精細化管理理念,建立全方位的風(fēng)險管理體系,健全風(fēng)險管理評價體系,不斷完善數(shù)據(jù)信息收集和管理平臺,健全信用評級體系。此外,要建立起獨立的內(nèi)部監(jiān)督和績效考核機制,并將科技型中小企業(yè)信用擔保體系和風(fēng)險補償機制納入風(fēng)險管理范疇。商業(yè)銀行只有在管理好科技型中小企業(yè)信貸風(fēng)險的基礎(chǔ)上,才能更好地為科技型中小企業(yè)提供信貸支持,推動國家創(chuàng)新發(fā)展。
[Abstract]:Mass entrepreneurship, the "double innovation" boom of mass innovation has continuously promoted national innovation in our country, scientific and technological innovation has occupied an important position in the economic development of our country, and the small and medium-sized technological enterprises are the important supporting force of our country's scientific and technological innovation. Is regarded as one of the key support objects by the state, especially in solving the financing bottleneck faced by small and medium-sized technology-based enterprises, The state has adopted a series of policy incentives, and the financing method of "investment and loan linkage", that is, "equity creditor's rights" of commercial banks, may become an important way for science and technology small and medium-sized enterprises to get financial support in the future. Small businesses still have imperfect management systems, A series of problems, such as unclear market prospect and imperfect risk prevention and control system, make the credit financing of small and medium-sized enterprises of science and technology type of commercial banks face a larger operating risk, credit risk and adverse selection. However, the mismatch between investment income and risk of banks and the inherent limitations of their financing system make it more difficult for small and medium-sized technological enterprises to obtain credit funds. In view of this, the "science and technology loan" project has become a professional channel for the credit financing of small and medium-sized technological enterprises. However, it also faces a series of risk management problems, such as high cost of credit risk management, difficulty in accurate evaluation of enterprise value, low degree of specialization, etc. Therefore, commercial banks in China must speed up the innovation of their credit risk management system. To support the development of small and medium-sized scientific and technological enterprises, such as innovation and development of relevant scientific and technological financial institutions, combination of restraint and encouragement system, establishment of a system of bad debts and bad debts, and implementation of the concept of fine management of credit risk customers, products and industries, Establish a comprehensive risk management system, improve the risk management evaluation system, continuously improve the data and information collection and management platform, perfect the credit rating system. In addition, establish an independent internal supervision and performance appraisal mechanism, The credit guarantee system and risk compensation mechanism of small and medium-sized technological enterprises are brought into the scope of risk management. Only on the basis of managing the credit risk of small and medium-sized technological enterprises, can commercial banks provide better credit support for small and medium-sized scientific and technological enterprises. Promote national innovation and development.
【學(xué)位授予單位】：河南財經(jīng)政法大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F276.3

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