我国科技银行发展研究

发布时间：2018-05-17 22:39

本文选题：科技银行 + 发展制约因素　；参考：《首都经济贸易大学》2015年硕士论文

【摘要】：国家的发展离不开科技的创新,科技创新对经济发展全局有着至高重要的作用。科技型中小企业是拉动科技创新的重要力量。由此加快发展科技型企业就是加快发展科技创新,进而加快发展我国经济。然而科技型中小企业在发展初期风险较大且自身资产较少,一直面临着融资难的困境,发展受到制约。在这样的背景下相应的科技金融支撑体系急需得到构建,金融系统之中,银行是最大的主体,银行对科技型企业加大支撑力度,科技型企业所处的困境方可得到有效缓解实现长足的发展。科技银行恰好是这场金融创新中银行一种全新的制度安排,作为解决科技企业融资难的新途径,它的发展至关重要。本文的研究主题是科技银行发展研究。目的是通过对国内外科技银行发展现状的考察与对比找出我国科技银行发展的不足之处,并分析限制我国科技银行发展的制约因素,期望可以从中发现破解我国科技银行发展受限问题的钥匙。基于此,本文的主要研究内容如下:文章主要分为五个部分。首先本文对选题背景和研究意义做出介绍,针对科技银行涉及的相关领域的国内外研究现状进行梳理和总结,并介绍所使用的研究方法及文章结构,与此同时指出本文的创新和不足。接下来运用理论分析法阐述科技银行发展的必要性。包括对科技银行的概念、性质及功能的介绍,并在我国发展科技银行的背景以及我国科技银行的发展适用性方面进行了分析。考察我国科技银行发展现状,包括数量规模以及金融创新产品等。以硅谷银行为例,运用比较分析法分析美国科技银行与我国科技银行发展差异,发现我国科技银行不足。在此基础上进行实证分析,对我国科技银行发展受限的因素进行分析,梳理这些制约因素之间的关系,以求能够从本质上提出科技银行发展的建议。文章的最后是根据实证所得结论构建我国科技银行发展的政策建议。政策建议包括在制度建设、科技银行外部环境以及自身建设三个部分,期望能够对科技银行的发展做出贡献。
[Abstract]:The development of the country can not be separated from the innovation of science and technology, which plays an extremely important role in the overall economic development. Science and technology-based small and medium-sized enterprises are an important force in stimulating scientific and technological innovation. Therefore, to speed up the development of science and technology enterprises is to speed up the development of science and technology innovation, and then accelerate the development of our economy. However, in the early stage of development, the small and medium-sized technological enterprises are faced with the dilemma of financing and their development is restricted because of their high risk and less assets. In this context, the corresponding science and technology financial support system urgently needs to be constructed. In the financial system, banks are the largest main body, and banks have increased their support to technology-based enterprises. Technology-based enterprises in difficult position can be effectively alleviated to achieve considerable development. The bank of science and technology is a new institutional arrangement in this financial innovation. As a new way to solve the financing difficulties of science and technology enterprises, its development is very important. The research topic of this paper is the development research of science and technology bank. The purpose of this paper is to find out the deficiency of the development of science and technology bank in China through the investigation and comparison of the present situation of the development of science and technology bank at home and abroad, and to analyze the restrictive factors that restrict the development of science and technology bank in China We hope to find the key to solve the problem of limited development of science and technology banks in China. Based on this, the main contents of this paper are as follows: the article is divided into five parts. First of all, this paper introduces the background and significance of the topic, combs and summarizes the domestic and foreign research status of the related fields involved in the bank of science and technology, and introduces the research methods and the structure of the article. At the same time, this paper points out the innovation and deficiency. Then use the theory analysis to expound the necessity of the development of science and technology bank. This paper introduces the concept, nature and function of science and technology bank, and analyzes the background of the development of science and technology bank in our country and the applicability of the development of science and technology bank in our country. To investigate the development of science and technology banks in China, including the number of scale and financial innovation products. Taking Silicon Valley bank as an example, this paper analyzes the development difference between American science and technology bank and our country science and technology bank by means of comparative analysis, and finds out that the science and technology bank of our country is insufficient. On the basis of the empirical analysis, this paper analyzes the factors that restrict the development of our country's sci-tech bank, combs the relationship between these restrictive factors, in order to be able to put forward the suggestion of the development of the sci-tech bank in essence. The last part of this paper is to construct the policy recommendations for the development of our country's science and technology bank according to the empirical conclusions. The policy proposal includes three parts: system construction, external environment of science and technology bank and self construction, which is expected to contribute to the development of science and technology bank.
【学位授予单位】：首都经济贸易大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.3

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