商业银行支持专精特新企业发展的创新模式研究——基于扎根理论的案例分析  

Exploring Innovative Models of Commercial Banks Supporting Specialized and Unique Enterprises:Case Analysis Based on Grounded Theory

作　　者：安昕怡 程茹 李正旺[1] 陈婧怡 戴宸 An Xinyi;Cheng Ru;Li Zhengwang;Chen Jingyi;Dai Chen(School of Finance,Hubei Universityof Economics,Wuhan 430000,China)

机构地区：[1]湖北经济学院金融学院,湖北武汉430000

出　　处：《科技创业月刊》2024年第11期168-176,共9页Journal of Entrepreneurship in Science & Technology

基　　金：国家级大学生创新创业训练计划项目“商业银行支持专精特新企业发展的创新模式研究——基于鄂、湘、浙三省的实地调研”(202311600003)。

摘　　要：“专精特新”企业是中小企业的领头羊,普遍存在资产轻、无传统抵质押物等特点,传统信贷模式往往无法满足其融资需求。商业银行作为我国金融系统的重要主体,是支持“专精特新”企业发展的主力军。为探索商业银行支持专精特新企业发展的创新模式,以6个银行端、5个企业端的案例资料作为研究基础,运用扎根理论方法,归纳出9个核心范畴,并在此基础上进一步推演出“外部环境-需求驱动-内部控制-资金融通”这一逻辑关系链,为理解商业银行支持专精特新企业的创新模式提供了新的视角,并从政府、银行、企业三大主体出发,提出促进专精特新企业发展的对策建议。Specialized,refined,and innovative enterprises are the leaders of small and medium-sized enterprises.However,due to their characteristics of light assets and lack of traditional collateral,traditional credit models cannot meet their financing needs.Commercial banks,as important entities in China's financial system,are the main force supporting“specialized,refined,unique,and innovative”enterprises.To explore innovative models for commercial banks to support the development of specialized,refined,and innovative enterprises,case studies from 6 banks and 5 enterprises were used as the research basis.Using the grounded theory method,9 core categories were summarized,and based on this,the logical relationship chain of“external environment demand driven internal control fund financing”was further derived.This provides a new perspective for understanding the innovative models of commercial banks supporting specialized,refined,and innovative enterprises,and proposes countermeasures and suggestions to promote the development of specialized,refined,and innovative enterprises from the perspectives of the government,banks,and enterprises.

关 键 词：商业银行 专精特新企业 创新模式 扎根理论 

分 类 号：F832[经济管理—金融学]