陕西科技型中小企业与银行对接面临的问题与对策研究

发布时间：2018-02-14 01:43

本文关键词： 陕西科技型中小企业科技金融银行对策　出处：《西北农林科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：科技创新是一个国家和地区兴旺发达的不竭动力，是社会生产力发展的源泉。科技型中小企业是以创新为根本使命的企业，现已成为区域科技创新的重要源泉，也成为区域经济社会发展的主要内生力量。然而，科技型中小企业大都是集科技与资金风险于一身，以科研开发为先导的高投入、高风险企业，在科技创新实践中，普遍面临着融资难题，束缚其健康快速发展。对于这一普遍性问题，地处西部的陕西表现的更为突出，所以解决陕西科技型中小企业融资难题已成为陕西当今乃至今后一段时期的一件大事。众所周知，科技型中小企业要发展要创新，就须要资金的支持。而对于轻资产的科技型中小企业来说资金捉襟见肘。为此，金融机构的支持就显得尤为重要。金融支持科技自主创新发展,科技与金融结合协同创新是促进产业结构优化升级、加快转变经济发展方式和调整经济结构的重要保障。目前,科技金融的重要性已经得到了各级政府和学术界的高度认可与重视，科技金融结合也是科技发展的客观必然，但现在国内外还没有具体可行的科技型中小企业与银行贷款之间的可操作性强、可借鉴性高的运行模式。因此，研究如何解决科技型中小企业与银行业金融机构有效对接，破解科技型中小企业在创新中的融资难题，更好地促进科技型中小企业创新发展，具有重要的理论和现实意义。本文在大量阅读和分析国内外相关文献以及实际调查的基础上，并紧紧跟随全国都积极支持科技金融融合发展这一大背景下，结合陕西实际，围绕“科技型中小企业与银行对接”的研究核心，从科技开发贷款的发展历程入手，详细分析科技型中小企业与银行对接的现状、存在问题和对科技金融的迫切需求，在此基础上，探索性提出促进陕西科技型中小企业与银行对接的相关对策建议。具体框架如下：第1章是导论。主要阐明了本研究的选题背景、研究目的和意义，概括论述了国内外相关融资理论和文献，指明了本研究的主要内容及方法，并给出了研究框架。第2章是基本概念和研究主体。主要论述了本文中涉及到的基本概念，并对研究中的各个主体及其关系进行分析。第3章是我国科技型中小企业与银行对接现状。主要从历史演进的角度阐述了科技型中小企业在银行贷款的发展历程，，以及发达国家金融支持企业现状，论述了近年来国家、陕西开展科技金融结合试点工作的情况以及对科技贷款的启示。第4章是陕西科技型中小企业与银行对接现状及存在问题。重点对科技型中小企业与银行双方对接的现状进行深入分析，采用规范分析方法厘清双方对接过程中存在的主要问题，为下章提出有针对性的建议提供了指引。第5章是促进陕西科技型中小企业与银行对接的对策建议。本章是论文的落脚点，基于前面各章节研究的基础，采用归纳演绎与对策研究相结合的方法，探索性的提出了双方对接的对策建议。第6章是全文总结与研究展望。重点提出论文的创新之处和研究不足。
[Abstract]:Technology innovation is an inexhaustible motive force for the prosperity of the countries and regions, is the source of the development of social productive forces. SME is the innovation as the fundamental mission of the enterprise, has become an important source of regional science and technology innovation, has become the main endogenous strength of regional economic and social development. However, small and medium-sized enterprises are mostly in science and technology and capital risk in a body, in order to research and development as the forerunner of the high investment, high risk enterprises in technological innovation practice, generally facing financing difficulties, and bound the healthy and rapid development. For this problem, located in the western Shaanxi performance is more prominent, so to solve the financing problems of science and technology in Shaanxi small and medium-sized enterprises has become a major event in Shaanxi today and in the future for a period of time.
As everyone knows, small and medium-sized enterprise development to innovation, it needs financial support. For SME asset light for funds. Therefore, the support of financial institutions is particularly important. Financial support for independent innovation of science and technology development, technology and financial integration of collaborative innovation is to promote the optimization and upgrading of industrial structure, accelerate the important guarantee change the mode of economic development and the adjustment of economic structure. At present, the importance of technology and finance has been a high degree of recognition and attention of governments and academic circles, but also the objective necessity of technological development of science technology and finance integration, but now there is no strong operability between specific SME feasible and bank loans, from the operational mode of high. Therefore, research on how to solve the effective docking of technology-based small and medium-sized enterprises and financial institutions in the banking industry, science and technology in crack It is of great theoretical and practical significance to improve the innovation and development of small and medium sized enterprises in the innovation of small enterprises.
Based on a lot of reading and analyzing the related literature at home and abroad and the actual investigation, and closely follow the national science and technology to actively support the development of financial integration this background, combined with the actual Shaanxi, around the "core of scientific and technological small and medium-sized enterprises and bank docking", starting from the development of science and technology development loans, a detailed analysis of present situation small and medium-sized enterprises and bank docking, there is an urgent need for the problem of science and technology finance, on this basis, put forward relevant countermeasures and suggestions to promote the Shaanxi science and technology small and medium-sized enterprises and bank docking. The specific framework is as follows:
The first chapter is the introduction. It mainly expounds the background, purpose and significance of the research, summarizes the related financing theories and literatures both at home and abroad, points out the main contents and methods of the research, and gives the research framework.
The second chapter is the basic concept and the subject of research. It mainly discusses the basic concepts involved in this paper, and analyzes the subjects and their relations in the study.
The third chapter is China's SME and bank docking status. Mainly from the perspective of the historical evolution of small and medium-sized enterprises in the development process of bank loans, as well as the developed country financial support enterprise present situation, discusses the country in recent years, the pilot work carried out in Shaanxi science and technology combined with the financial situation and the enlightenment to the loan of science and technology.
The fourth chapter is the Shaanxi SME bank and docking the status quo and existing problems. Through in-depth analysis of the status quo of SME and the two banks docking, the main problems to clarify both the docking process by using the method of normative analysis, targeted proposals to provide guidance for the next chapter.
The fifth chapter is the countermeasures and suggestions to promote the docking between Shaanxi science and technology SMEs and banks. This chapter is the foothold of the paper. Based on the previous chapters and the combination of inductive deduction and countermeasure research, the countermeasures and suggestions for bilateral docking are put forward.
The sixth chapter is the summary and research prospect of the full text. The emphasis is put on the innovation and lack of research.

【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F275;F832.4

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