珠海市科技信贷风险补偿政策对企业创新的促进实证研究  

Empirical Study on the Effect of Scientific and Technological Credit Risk Compensation Policy on Enterprise Innovation in Zhuhai City

作　　者：黄元阔 刘夏 王倩[3] 宋洪孝 Huang Yuankuo;Liu Xia;Wang Qian;Song Hongxiao(Zhuhai Productivity Promotion Center,Zhuhai 519000,China;Guangdong Science and Technology Finance Promotion Association,Guangzhou 510000,China;Beijing Normal University at Zhuhai,Zhuhai 519000,China)

机构地区：[1]珠海市生产力促进中心,广东珠海519000 [2]广东省科技金融促进会,广州510000 [3]北京师范大学珠海校区,广东珠海519000

出　　处：《黑龙江科学》2023年第11期45-48,共4页Heilongjiang Science

基　　金：2021广东省科技创新战略专项资金项目(大专项+任务清单)“搭建高质量科技金融综合服务平台”。

摘　　要：以2019—2020年珠海市获得科技信贷风险补偿金支持企业的实证数据为基础,建立指标体系和模型,分析科技信贷风险补偿政策对科技型中小企业创新发展的促进作用,发现在科技信贷风险补偿政策的实施过程中,政府相关部门对企业创新起到重要推动作用,建议进一步加大风险补偿力度,扩大补偿范围,鼓励银行提升放贷效率,提升科技企业不良贷款率容忍度,进一步促进企业创新能力的提升。Based on the empirical data of enterprises in Zhuhai receiving scientific and technological credit risk compensation from 2019 to 2020,the study establishes the index system and model,and analyzes the promotion effect of scientific and technological credit risk compensation policy on the innovation and development of middle and small scientific and technological enterprises.It is found that,in the implement of scientific and technological credit risk compensation policy,related government departments have played important promotion role in the innovation of enterprises.It is suggested to further increase compensation,widen compensation scope,encourage banks to improve lending efficiency,increase the tolerance of nonperforming loan ratio for science and technology enterprises,so as to further promote the innovation ability of enterprises.

关 键 词：科技信贷 风险补偿 企业创新 

分 类 号：F276.44[经济管理—企业管理] F832.4[经济管理—国民经济]