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发展科技型中小企业,符合我国创新型战略转型的外部条件,而且能够提高科学技术水平,推动我国经济社会的飞速发展。然而由于自身风险大而资本规模小的特点,科技型中小企业经常面临着缺乏资金的困境,融资问题使其发展受到极大制约。在企业众多的融资渠道,其主要融资渠道是银行,因而大力提高科技银行对科技型中小企业的支撑力度,企业才能突破目前面临的困境,实现长远的发展。为了突破这一困境我国进行了大量的金融创新,科技银行是一种金融创新的全新制度安排,在为科技型中小企业提供融资贷款方面起着举足轻重的作用。
The development of small and medium-sized technology-based enterprises meets the external conditions for our country’s innovative strategic transformation. It can also raise the level of science and technology and promote the rapid economic and social development of our country. However, due to their high risk and small capital scale, small and medium-sized technology-based SMEs often face the dilemma of lack of capital. Financing problems have greatly restricted their development. In the numerous financing channels of enterprises, the main financing channels are banks. Therefore, it is necessary to greatly enhance the support of science and technology banks for small and medium-sized technology-based enterprises so that enterprises can break through the current difficulties and achieve long-term development. To break through this dilemma, China has conducted a large number of financial innovations. As a brand new institutional arrangement of financial innovation, science and technology banks play an important role in providing financing loans to small and medium-sized technology-based enterprises.