我国科技金融服务公司化发展模式研究及实例分析

发布时间：2019-04-11 12:39

【摘要】：2008年的金融危机席卷全球，从虚拟经济到实体经济，从美国本土到世界各地，进而演变成为全球性的经济危机。中国作为开放世界中的一员，，同样也在这场危机中受到“创伤”。这场危机中被淘汰的比较弱小而能力不足的中小企业使我们清楚认识到，当前经济现状从而调整战略整合市场，转变经济发展方式的必要性和迫切性。经济转型，必然是由落后的生产方式向更科学、更先进、更高效的产业模式和增长方式转变。而推进转型的关键就是加快科技创新，让科技领跑中国转型之路。中国现在处于转型的十字路口，通过2008年的金融危机，原本就缺乏资金的高科技中小企业，在现在的经济形势下更是发展困难，如何为这些高科技企业开拓新的投融资渠道成了近年来重要的议题之一。而“硅谷银行”模式无疑给了这些企业一条新的道路。因此，本文构建了一个科技金融服务平台，并分析其运行模式，在借鉴了硅谷银行的发展模式之后结合实际案例，试图寻求一条适合中国国情发展的科技金融服务公司化发展之路。本文共分为六章。第一章为绪论。包括研究的背景、意义、方法，并给出了研究思路。第二章为国内外相关文献综述。对科技金融及科技金融服务中的创业风险投资、科技贷款和融资担保机制进行文献回顾。第三章为科技金融服务平台构建及运行模式研究。本章旨在构建一个科技金融服务平台并研究其运行模式。第四章分析了硅谷银行的发展模式。分别从硅谷银行的市场定位、盈利模式、客户选择、风险控制及其与其他金融机构的合作这几个方面为中国金融市场的发展提供参考。第五章为实例分析。本章首先分析了中国创业投资的现状，然后分析了创业投资的风险并提出了控制风险的措施，本文选取了无锡创业投资集团有限公司所投资的一家“530”企业进行研究。第六章为结论与展望，本章总结了本文的主要研究成果，提出研究的局限性并给出研究启示和展望。本文围绕科技金融服务这个主题，在分析和借鉴内外理论和实践经验基础上，构建了科技金融服务平台并分析了硅谷银行的发展模式，通过实证分析得出两个研究结论：1、“硅谷银行”模式给我国的金融机构提供了一条借鉴之路，因此我国应打造中国式的“硅谷银行”；2、只有发现了投资中的风险，并且努力通过有限的资源来弥补这些“缺口”，才能做到有的放矢，使企业各种资源得到最有效的配置，提高投入资源的边际效应，充分发挥资源的协同作用，起到事半功倍的效果。
[Abstract]:The 2008 financial crisis swept the world, from virtual economy to real economy, from the United States to the world, and then evolved into a global economic crisis. China, as a member of the open world, has also been "traumatized" by the crisis. The small and medium-sized enterprises which have been eliminated in this crisis have made us realize clearly the necessity and urgency of adjusting the current economic situation to integrate the market and change the mode of economic development. Economic transformation, must be from backward mode of production to more scientific, more advanced, more efficient industrial model and growth mode. And the key to promote the transformation is to speed up scientific and technological innovation and let science and technology lead the way of China's transformation. China is now at the crossroads of transformation. Through the financial crisis of 2008, high-tech small and medium-sized enterprises, which originally lacked funds, are even more difficult to develop in the present economic situation. How to open up new investment and financing channels for these high-tech enterprises has become one of the important issues in recent years. The "Silicon Valley Bank" model undoubtedly gives these companies a new path. Therefore, this paper constructs a science and technology financial service platform, and analyzes its operation mode, after drawing lessons from the development model of Silicon Valley bank, combined with the actual case, Try to find a suitable way for the development of science and technology financial services corporatization. This paper is divided into six chapters. The first chapter is the introduction. Including the background, significance, methods and research ideas. The second chapter is a review of relevant literature at home and abroad. Literature review of venture capital, science and technology loan and financing guarantee mechanism in science and technology finance and science and technology finance services. The third chapter is the research on the construction and operation mode of sci-tech financial service platform. The purpose of this chapter is to construct a science and technology financial service platform and study its operation mode. The fourth chapter analyzes the development model of Silicon Valley banks. This paper provides a reference for the development of Chinese financial market from the aspects of market positioning, profit model, customer selection, risk control and cooperation with other financial institutions of Silicon Valley banks. The fifth chapter is an example analysis. This chapter first analyzes the present situation of venture capital in China, then analyzes the risk of venture capital and puts forward the measures to control the risk. This paper selects a "530" enterprise invested by Wuxi Venture Capital Group Co., Ltd to carry on the research. The sixth chapter is the conclusion and prospect, this chapter summarizes the main research results of this paper, puts forward the limitations of the research, and gives the enlightenment and prospect of the research. Focusing on the theme of sci-tech financial services, this paper constructs a platform of sci-tech financial services based on the analysis and reference of internal and external theories and practical experiences, and analyzes the development model of Silicon Valley banks. Through empirical analysis, two conclusions are drawn: 1, The model of "Silicon Valley Bank" provides a way for China's financial institutions to use for reference, so China should build a Chinese-style "Silicon Valley Bank"; 2. Only when risks in investment are identified and efforts are made to fill these "gaps" through limited resources can the target be targeted, so that all kinds of resources of enterprises can be allocated most effectively and the marginal effect of input resources can be improved. Give full play to the synergetic effect of resources, play twice the effect of half the effort.
【学位授予单位】：南京工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.39

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