江苏银行科技支行发展模式探讨

发布时间：2018-11-07 13:00

【摘要】：众所周知"科学技术是第一生产力",而金融已成为推动生产力向前进步的重要因素之一。在我国的经济发展领域之中,科技型中小企业经济地位相当重要,然而,它在我国金融市场中取得的资金支持,并不能与它的经济地位相匹配,资金问题已经严重影响了我国科技型中小企业的发展,是目前亟待解决的问题。如果将科技与金融有机结合起来,有效解决科技型中小企业发展的资金瓶颈,将会有力推动中小型企业科技研发、成果转化、创新产品,并最终将推动国民财富增加。因此,科技银行作为我国科技与金融两者完全结合的新兴产物应时而生。本文对我国科技银行的发展模式进行了深入的探讨和分析,结合我国科技金融实际情况及需求,借鉴美国硅谷银行、法国中小企业银行、杭州银行科技支行以及浦发硅谷银行等国内外科技银行的成功案例,全方位探索建立我国科技银行的制度基础和发展条件。通过对江苏银行科技支行现有的状况及存在问题进行剖析,从市场模式、市场营销模式以及客户关系模式三方面,构建了江苏银行科技支行业务发展模式,并提出江苏银行科技支行业务发展模式的保障措施。最后,本文针对目前我国科技银行发展所面临的机遇与挑战,提出了相应的对策建议。通过分析表明,科技银行有很大的发展空间,必将成为在我国商业银行发展的重点。
[Abstract]:It is well known that "science and technology is the first productive force", and finance has become one of the important factors to promote the progress of productivity. In the field of economic development of our country, the economic status of small and medium-sized scientific and technological enterprises is very important. However, the financial support it has obtained in the financial market of our country cannot match its economic status. The problem of capital has seriously affected the development of science and technology-based medium-sized enterprises in our country, and it is an urgent problem to be solved at present. If the combination of science and technology and finance can effectively solve the capital bottleneck of the development of small and medium-sized technological enterprises, it will have the power to promote the R & D of science and technology, the transformation of achievements, the innovation of products, and ultimately the increase of national wealth. Therefore, the science and technology bank as our country science and technology and the finance both complete union emerging product to come into being in time. This article has carried on the thorough discussion and the analysis to our country science and technology bank's development pattern, unifies our country science and technology finance actual situation and the demand, draws lessons from the American Silicon Valley bank, the French small and medium-sized enterprise bank, The successful cases of science and technology banks at home and abroad, such as Hangzhou Bank Science and Technology Branch and Pufa Silicon Valley Bank, explore the system foundation and development conditions of our country's science and technology bank. By analyzing the current situation and existing problems of Jiangsu Bank Science and Technology Branch, this paper constructs the business development model of Jiangsu Bank Science and Technology Branch from three aspects: market model, marketing model and customer relationship model. And put forward the Jiangsu bank science and technology branch business development mode safeguard measure. Finally, according to the opportunities and challenges facing the development of science and technology banks in China, this paper puts forward corresponding countermeasures and suggestions. The analysis shows that science and technology bank has great development space and will become the focus of commercial bank development in our country.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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