融资难一直是困扰中小企业发展的主要问题,对于“双创”背景下的科创企业融资更成为发展的最大烦恼。由此,“投贷联动”模式开始推进试点,并被视为解决科技型中小企业融资难的利器。李克强总理在《政府工作报告》中部署今年的重点工作时提出,要“深化国有商业银行和开发性、政策性金融机构改革,发展民营银行,启动投贷联动试点”。4月21日,银监会与科技部、人 Financing difficulties have always plagued the development of small and medium-sized enterprises. The financing of science and technology enterprises in the context of “double creation ” has become the biggest worry of development. As a result, the pilot project of “linking, lending and lending linkage” started to be promoted and was seen as a weapon to solve the financing difficulty of technology-based SMEs. Premier Li Keqiang put forward this year’s key work in the “Report on the Work of the Government” and proposed that “we should deepen the reform of state-owned commercial banks and development-oriented and policy-oriented financial institutions, develop private banks and start the pilot project of linking and investment.” April 21, China Banking Regulatory Commission and Ministry of Science and Technology, People