加强银行信贷支持我国科技创新发展的思考与建议  

Thoughts and Suggestions on Strengthening Bank Credit to Support China’s Technological Innovation and Development

作　　者：刘曦腾 Liu Xiteng

机构地区：[1]国家开发银行上海市分行

出　　处：《开发性金融研究》2024年第3期67-77,共11页Development Finance Research

摘　　要：无论从经济发展阶段还是我国产业创新特征和企业金融需求特点来看,银行支持科技创新与我国现阶段金融供给结构相符。虽然我国银行业逐步形成了特色化的科创信贷服务体系,但制约银行科技创新业务深入推进的障碍仍十分突出。风险收益难以匹配的底层逻辑始终没有改变,在此基础上的业务评估、信用结构、绩效考核等都难以脱离传统的信贷业务制度框架,而当前顶层设计下以点为主的制度实施并未有效改变这一窘境,存在科技创新信贷供给缺口。鉴于此,本文从系统性政策设计实施、银行风险认知管理转型、业务全面变革和风险防控等方面提出了相关政策建议。From the 18th National Congress of the Communist Party of China’s report proposing the strategy of implementing innovation driven development,to the 19th National Congress report emphasizing that innovation is the first driving force for development,and then to the 20th National Congress report proposing that technology is the first productive force and innovation is the first driving force,the role of scientific and technological innovation in China’s economic and social construction has become increasingly prominent.Since the 18th National Congress of the Communist Party of China,the Party Central Committee has placed scientific and technological innovation at the core of the overall development of the country.Accelerating the realization of high-level scientific and technological self-improvement is the only way to achieve high-quality economic development in China.Technological innovation and modern finance are inseparable,and financial institutions have become an important pillar and foundation for promoting scientific and technological innovation.From the perspective of economic development stage,as well as the characteristics of industrial innovation and corporate financial demand in China,bank support for technological innovation meets the inherent requirements of China’s financial structure.Although the development of technology finance in Chinese banks has gradually formed a distinctive science and technology innovation credit service system,the factors that restrict domestic banks from promoting technology innovation business are also very prominent.The underlying logic that is difficult to match risk and return has never changed.Based on this,business evaluation,credit structure,performance appraisal,etc.are difficult to break away from the traditional business system framework.However,the implementation of a point based system under the current top-level design has not effectively changed this predicament,resulting in scientific and technological innovation credit rationing and financial gaps.I

关 键 词：科技创新 银行信贷 制约因素 改革创新 政策建议 

分 类 号：F832.4[经济管理—金融学] F124.3