河南省科技贷主体剖析与路径优化  

Subject Analysis and Path Optimization of Science and Technology Loans in Henan Province

作　　者：薛洛开 刘晓华 牛玲玲[3] XUE Luokai;LIU Xiaohua;NIU Lingling(Henan Provincial Science Equipment Supply Center,Zhengzhou 450003,China;Henan Provincial Science and Technology Innovation Promotion Center,Zhengzhou 450003,China;Anyang Vocational and Technical College,Anyang 455099,China)

机构地区：[1]河南省科学器材供应中心,河南郑州450003 [2]河南省科技创新促进中心,河南郑州450003 [3]安阳职业技术学院,河南安阳455099

出　　处：《河南科技》2024年第4期151-154,共4页Henan Science and Technology

基　　金：2023年度河南省软科学研究计划一般项目“河南省科技贷实施效果与优化路径研究”(232400410312);2023年度河南省软科学研究计划重点项目“河南‘科技+普惠+绿色’金融综合协同改革创新的机制与路径研究”(232400411030)。

摘　　要：【目的】对河南省科技贷运行主体进行全面分析,提出河南省科技贷优化路径。【方法】结合河南省科技贷现行政策体系,从贷款纾困和创新驱动的角度对河南省科技贷进行优化设计和改造。【结果】通过对河南省科技贷业务运行主体的剖析,发现河南省科技贷业务在运行过程中存在企业担保方式单一化等问题。【结论】针对河南省科技型企业的特点,提出河南省科技贷优化路径。[Purposes]This paper conducts a comprehensive analysis of the operating entities of science and technology loans in Henan Province,and proposes an optimization path for science and technology loans in Henan Province.[Methods]Based on the current policy system of science and technology loans in Henan Province,optimize and transform the science and technology loans from the perspectives of loan relief and innovation driven.[Findings]Through the analysis of the operating entities of Henan Province's science and technology loan business,it is found that there are problems such as the singularity of enterprise guarantee methods in the operation process of Henan Province's science and technology loan business.[Conclusions]Based on the characteristics of technology-based enterprises in Henan Province,this paper proposes an optimization path for technology loans in Henan Province.

关 键 词：科技贷 科技型企业 优化路径 

分 类 号：F832.4[经济管理—金融学] F274