社区银行、关系型借贷与创业创新金融支持.doc

社区银行、关系型借贷与创业创新金融 支持 新疆财经大学金融学院 我国以科技型创业创新为代表的“双创”发展面临着严重的融资瓶颈，而银行 在缓解其融资困境中可以发挥重要作用。本文在分析科技型企业发展的不同阶段 及其融资需求特点的基础上提出，在“双创”型企业发展的初创期和成长期， 适宜利用社区银行的核心贷款技术一一关系型借贷为其提供金融支持，因而应 加快设立科技型社区银行及科技型支行，积极发展关系型借贷。此外，还应借助 投贷联动模式做好风险防控，并加强科技型社区银行与互联网的融合，为创业 创新提供有力的金融支持。 关键词： 创业创新;关系型借贷;科技型社区银行;投贷联动; 高丽(1973-),女，副教授，，研究方向：区域金融、科技金融。 收稿曰期:2017-08-26 基金：新疆维吾尔自治区软科学项目“新疆创业创新的金融支持对策研究” (2016D07019) Community Bank, Relationship Lending and Financial Support to Entrepreneurship and Innovation Gao Li Xinjiang University of Finance and Economics; Abstract： The development of “twin engines — popular entrepreneurship and innovation” in China represented by science and technology entrepreneurship and innovation is facing serious financing bottleneck, and the bank can play an important role in alleviating its financing difficulties. Based on the analysis of the different stages in the development of science and technology enterprises and the financing demand characteristics, the paper puts forward that in the initial and the growth period, the community banks lending technology — relationship 1 ending could be appropriate used to provide financial support, and therefore should be speed up to set up community banks and branches of science and technology, science and technology develop relational lending, also the linkage of investment and loan should be used to do a good job in financial support entrepreneurship and innovation and risk prevention and control, and also the integration of technology community banks and and the Internet should be strengthened to provide powerful financial support for entrepreneurial and innovation. Keyword： Entrepreneurship and Innovation; Relationship Lending; Technology Community Bank; Linkage of Investment and Loan; Received： 2017-08-26 一、引言 2014年，李克强总理提出的“大众创业、万众创新”是推动我国经济结构转型 及经济增长的新引擎。随着我国经济进入新常态以及结构性调整的不断深入， “双创”逐渐成为经济新的增长点，“双创”发展屮尤以科技创业创新为重点， 是创新驱动经济转型的主耍力量，创业创新过程中资金是发展的瓶颈，企业从 初创到发展成熟过程中的生产、销兽、研发创新及市场开拓等无不需要资金的支 持，因而金融支持是“双创”企业发展不可或缺的重要支撑。从国际经验来看， 科技企业初创及