本文選題：科技支行 + 中小企業(yè)��； 參考：《廣東財經(jīng)大學》2017年碩士論文

【摘要】：在2014年9月的夏季達沃斯論壇上,李克強總理第一次在公共場合提出“大眾創(chuàng)業(yè)萬眾創(chuàng)新”的號召,此后,李克強總理在首屆世界互聯(lián)網(wǎng)大會、國務(wù)院常務(wù)會議及各類場合中多次闡述這一關(guān)鍵詞,“創(chuàng)新”成為國家層面上的戰(zhàn)略布局。高新技術(shù)企業(yè)的創(chuàng)新發(fā)展對我國經(jīng)濟結(jié)構(gòu)的加速轉(zhuǎn)型以及自主創(chuàng)新體系的建立具有重大意義。與之對應(yīng),金融體系也應(yīng)當給予高新技術(shù)企業(yè)發(fā)展以金融支持,科技支行即是金融系統(tǒng)予以支持的重要體現(xiàn)。本文將A銀行天安科技支行當作本文的研究對象,并在借鑒國內(nèi)外其他地區(qū),特別是美國硅谷銀行的先進模式和經(jīng)驗研究天安科技支行的目前發(fā)展情況,并進而探究科技銀行整體建設(shè)以及推廣的高效方式。本文結(jié)合采用了文獻閱讀和案例分析法等研究方法,對天安科技支行展開研究,從選題背景和意義出發(fā),剖析了科技銀行的相關(guān)概念和海內(nèi)外的研究現(xiàn)狀,研究當前天安支行的現(xiàn)狀,并提出存在的幾點問題,包括科技金融產(chǎn)品的針對性不強、科技信貸業(yè)務(wù)規(guī)模范圍不高、科技信貸授信條件較為嚴苛等方面,部分原因在于產(chǎn)品創(chuàng)新能力缺乏以及審批流程存在一定的阻礙等,再此基礎(chǔ)上,提出天安科技支行的對策建議,包括推進科技金融產(chǎn)品的創(chuàng)新建設(shè)、簡化審批流程及降低融資成本、加強人才的培養(yǎng)和機構(gòu)的合作以及健全推進法律制定和政策扶持。本文的研究能夠真正的幫助科技銀行解決當前整體效率較低,創(chuàng)新能力較弱等問題,以及遭受互聯(lián)網(wǎng)金融強烈沖擊的前提下,提升銀行的整體競爭力,真正尋找應(yīng)對高新技術(shù)中小企業(yè)融資面臨困難的有效方法,對科技銀行在我國的健康發(fā)展提供良好的實踐意義和借鑒效果。
[Abstract]:At the Summer Davos Forum in September 2014, Prime Minister Li Keqiang made the first public call for "Mass Entrepreneurship Innovation," followed by Prime Minister Li Keqiang at the first World Internet Congress. The executive meeting of the State Council and various occasions have expounded this key word many times. "Innovation" has become the strategic layout at the national level. The innovation and development of high-tech enterprises is of great significance to accelerate the transformation of economic structure and the establishment of independent innovation system. Accordingly, the financial system should also give financial support to the development of high-tech enterprises, and the scientific and technological branch is an important embodiment of the financial system. In this paper, A Bank Tianan Science and Technology Branch is regarded as the research object of this paper, and the current development situation of Tianan Science and Technology Branch is studied based on the advanced models and experiences of other regions at home and abroad, especially the Silicon Valley Bank of the United States. And then explore the overall construction of science and technology banks and the promotion of efficient ways. Based on the research methods of literature reading and case analysis, this paper studies the Tianan branch of science and technology. From the background and significance of the selected topic, it analyzes the related concepts of the Bank of Science and Technology and the present research situation at home and abroad. This paper studies the current situation of the Tianan Branch, and puts forward several problems, including the weak pertinence of the sci-tech financial products, the low scale of the sci-tech credit business, the strict credit conditions of the S & T credit, and so on. Part of the reason is that the ability of product innovation is lacking and there are some obstacles in the examination and approval process. On this basis, the countermeasures and suggestions for the Cheonan Science and Technology Branch are put forward, including the promotion of innovation and construction of scientific and technological financial products. To simplify the examination and approval process and reduce financing costs, strengthen the training of talent and institutional cooperation, and improve the promotion of law making and policy support. The research in this paper can really help the science and technology banks to solve the problems of low efficiency and weak innovation ability, and to enhance the overall competitiveness of the banks under the strong impact of Internet finance. To find an effective way to deal with the financing difficulties of high-tech small and medium-sized enterprises, and to provide good practical significance and reference effect for the healthy development of science and technology banks in China.
【學位授予單位】：廣東財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4

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