科技型中小企业信贷支持研究

【作者】 张静；

【导师】 韩剑；

【作者基本信息】 南京大学 ， 工商管理（MBA）（专业学位）， 2018， 硕士

【摘要】 随着经济社会的发展,目前,在我国国民经济中占据较大比例份额的企业是科技型中小企业,在推动经济发展、构建和谐社会和提高就业率等方面均起到重要作用。但是,发展科技型中小企业往往不能缺少资金的支持,其融资需求却经常被银行忽视。现阶段银行贷款是我国科技型中小企业惯用的外部融资工具,当然,银行贷款也成为缓解此类企业融资困难的主要途径。而我国商业银行在传统行业贷款方面已基本饱和,并且市场占有率方面已基本稳定和固化,所以,商业银行通过金融支持科技型中小企业发展是扩大市场份额的重要手段。因此得出,研究我国商业银行对科技型中小企业的金融支持现状,不但可以帮助科技型中小企业走出融资困难,而且有助于商业银行业务的开展,具有重要的实用价值。目前主要由银行主导国内金融模式,在国内资本市场、创投环境发展不成熟的情况下,在解决科技型中小企业资金缺口和辅导科技型中小企业发展的问题上,科技银行信贷资金就极其重要了。相较于发展迅速的高新技术开发区和科技型企业,我国科技银行应对策略还很不足,发展还非常落后,业务发展速度也显得十分迟缓。科技型中小企业因为不理想的经营业绩和过高的信贷风险等问题日渐凸显,对于我国科技银行的持续健康发展也产生了一部分负面作用。如何完善科技型中小企业信贷融资体系,优化科技银行扶持科技型中小企业服务内容,是现阶段促进国民经济发展亟需解决的现实问题,并具有较高的实践价值。本文介绍了商业银行支持中小企业金融服务的相关融资理论知识,以此为基础,首先分析了我国科技型中小企业的主要特点、融资情况、信贷风险特征及信贷融资的主要问题。然后,根据国内外科技银行的发展现状总结经验并加以借鉴,从南京农行针对科技型中小企业的融资过程分析了其发展现状与问题,并对造成这些问题的原因进行了分析。最后,通过分析金融支持科技型中小企业的现状与问题,并借鉴国内外其他科技银行的成功做法,从学习同业经验、创新银行服务机制和服务模式、培养复合型人才和银政企多方合作四个方面,总结出南京农行服务科技型中小企业信贷的方法和建议。通过理论与实际情况相结合,从宽泛的我国科技型中小企业发展的角度出发,再具体到南京农行科技银行发展现状、现阶段面临的问题,本文得出结论:南京农行在实施科技型中小企业信贷模式创新和管理的过程中,应加强对科技型中小企业技术实力和产品风险的分析研判,进一步提升与政府机构、其他金融机构沟通与合作的广度和深度,多方联动,共同完善科技型企业信贷风险体系。更多还原

【Abstract】 With the development of economy and society,at present,enterprises that occupy a relatively large proportion of China’s national economy are technology-based SMEs,which play an important role in promoting economic development,building a harmonious society,and increasing the employment rate.However,the development of science and technology-based SMEs can not always lack the support of funds,and their financing needs are often overlooked by banks.At this stage,bank loans are an external financing tool that China’s science and technology small and medium-sized enterprises usually use.Of course,bank loans have also become the main way to ease the financing difficulties of such enterprises.China’s commercial banks have basically saturated their loans in traditional industries,and the market share has basically stabilized and solidified.Therefore,commercial banks support the development of science and technology-based small and medium-sized enterprises through financial support is an important means to expand market share.Therefore,it is concluded that the research on the financial support status of China’s commercial banks for SMEs can not only help SMEs to get out of financing difficulties,but also help the development of commercial banking business,which has important practical value.At present,banks are mainly led by domestic financial models.With the domestic capital market and the immaturity of the venture capital environment,it is extremely important for science and technology bank credit funds to solve the funding gaps of science and technology SMEs and to guide the development of science and technology SMEs.Now.Compared with the rapid development of high-tech development zones and technology-based enterprises,China’s science and technology banks are still lacking in coping strategies,development is still very backward,and the pace of business development is also very slow.Due to the unsatisfactory business performance and high credit risk,SMEs have become increasingly prominent and have also had a negative impact on the continued healthy development of China’s technology banks.How to improve the credit financing system for science and technology SMEs and optimize the support for technological SMEs to support scientific and technological SMEs is a practical issue that needs to be solved in order to promote the development of the national ecoinomy at the current stage,and has a high practical value.This paper introduces the relevant financing theory knowledge of commercial banks supporting financial services for small and medium-sized enterprises.Based on this,it first analyzes the main characteristics of China’s technology-based SMEs,financing conditions,credit risk characteristics,and major issues of credit financing.Then,according to the development status of science and technology banks at home and abroad,lessons learned and lessons learned from Nanjing Agricultural Bank’s financing process for science and technology SMEs are analyzed on their development status and problems,and the reasons for these problems are analyzed.Finally,by analyzing the financial support for the status quo and problems of SMEs,and drawing on the successful practices of other technology banks at home and abroad,from learning the experience of the industry,innovating the banking service mechanism and service model,cultivating compound talents and cooperation between banks and government agencies In terms of each aspect,we summed up the methods and recommendations of the Nanjing Agricultural Bank of China to provide credit for the technology-based SMEs.Through the combination of theory and actual situation,from the perspective of the development of China’s scientific and technological small and medium-sized enterprises,and specifically to the current state of development of Nanjing Agricultural Bank of Science and Technology Bank,this paper concludes that Nanjing Agricultural Bank is implementing technology-based SMEs.In the process of credit model innovation and management,the analysis and judgment of technological capabilities and product risks of SMEs should be strengthened,and the breadth and depth of communication and cooperation with government agencies and other financial institutions should be further enhanced,and multi-sector linkages should be established to jointly improve technology-based enterprises.Credit risk system.更多还原