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风险投资在知识型产业的发展过程,尤其在成立与起步阶段发挥着重要的作用。由于我国商业银行的信贷资金在社会资金中占据着极大的比例,而且商业银行具有大量金融人才和产业评估人才、咨询人才等专业人才,商业银行资金参与风险投资能够积极促进产业升级,有效推进高新科技成果转化应用的进程。不过目前商业银行出于安全性考虑,投入风险投资的资金比例比较小,在此文章对于我国商业银行资金参与风险投资进行了深入的探讨,提出了能够兼顾风险与效益的现实选择。
Venture capital in the development of knowledge-based industries, especially in the establishment and initial stage plays an important role. As the credit funds of commercial banks in our country occupy a great proportion of social funds, and commercial banks have a large number of financial professionals and industrial appraisers and consultants, professionals and other professionals, venture capital funds for commercial banks can actively promote industrial upgrading and effectively promote High-tech achievements into the application process. However, for the sake of safety, commercial banks now have a relatively small proportion of funds invested in venture capital. In this article, the article probes deeply into the venture capital investment in China’s commercial banks, and presents a realistic choice that takes both risks and benefits into account.