科技创新企业投贷联动：国内探索与发展建议

the Progress and Suggestions of Technological innovation enterprises' Venture Loan

摘要:

作为“股权 债权”的融资方式创新，科技创新企业投贷联动业务有利于构建更为完善的科技金融服务体系，对于推进大众创业万众创新、加快实施创新驱动发展战略具有重要意义。本文概述了国内银行机构开展科创企业投贷联动业务的运作模式与主要进展，并基于对广东部分银行机构的问卷调查结果，分析了当前我国科创企业投贷联动业务开展过程中存在的问题，在此基础上提出下一步推进我国科创企业投贷联动业务的对策建议，包括营造有利于推进投贷联动业务的政策环境、建立更为有效的投贷联动业务合作机制、健全投贷联动业务风险防范体系、改善投贷联动业务的配套服务。

Abstract:

The paper summarizes the operation mode and main progress of technological innovation enterprises' Venture Loan, and analysis the major facing problems on the Venture Loan based on the questionnaire survey of some banks in Guangdong. In order to promote the Venture Loan, this paper puts forward to some countermeasures, including creating an enabling policy environment to facilitate Venture Loan, establishing cooperation mechanism between the banks and equity investment institutions, improving the risk prevention system on the Venture Loan and improve local government's supporting services of Venture Loan.