金融支持科技企业发展的风险分担机制研究——基于浙江银行保险机构的第一手调研资料  

Research on the Risk Sharing Mechanism of Financial Support for the Development of Technology Enterprises——Based on the First-hand Research Data of Banking and Insurance Institutions in Zhejiang Province

作　　者：中国银保监会浙江监管局课题组 张有荣 

机构地区：[1]中国银保监会浙江监管局,浙江杭州310000 [2]不详

出　　处：《浙江金融》2022年第5期3-12,共10页Zhejiang Finance

摘　　要：科技创新是经济社会发展的动力,企业是科技创新的主体。近年来,浙江省金融机构支持科技创新力度不断加大,多元化融资渠道为科技企业发展提供了强大资金保障。科技贷款余额的良好增长态势一定程度上得益于风险分担补偿机制的构建。经验表明,建立科技创新融资多元化风险补偿机制,能够有效缓解科技企业融资约束,提升资金获得概率。本课题立足于浙江实际情况,结合银行业保险业金融机构第一手调研资料,从“科技金融发展现状“”风险分担机制发展情况”等角度出发,立足现有金融监管政策和科技企业贷款发展态势,进行系统全面的调研分析,同时针对目前存在的困难和问题,提出下一步工作建议,以进一步推动浙江省科技企业跨越式高质量发展。Technological innovation is the driving force of economic and social development, and enterprises are the main body of technological innovation. In recent years, financial institutions in Zhejiang Province have been provided increased support for technological innovation, and diversified financing channels have provided a strong fund guarantee for the development of technology enterprises.To a certain extent, the good growth trend of the balance of technology loan is due to benefits from the construction of the risk sharing compensation mechanism. Experience shows that the establishment of diversified risk compensation mechanism for technological innovation financing can effectively ease the financing constraints of technological enterprises and increase the probability of obtaining funds.Based on the actual situation of Zhejiang Province, combined with the first-hand research data of bank and insurance institutions, from the perspectives of "the development status of technology finance" and "the development of risk sharing mechanism", based on the existing financial regulatory policies and the development trend of technology enterprise loans, this paper conducts systematic and comprehensive research and analysis, and puts forward suggestions for the next step in view of the existing difficulties and problems, to further promote the leapfrog and high-quality development of technology enterprises in Zhejiang Province.

关 键 词：科技企业 科技贷款 风险分担 银行保险机构 

分 类 号：F832.0[经济管理—金融学]