本文選題：商業(yè)銀行 + 科技金融�。� 參考：《安徽大學》2017年碩士論文

【摘要】："十三五"時期是實現(xiàn)我國建設(shè)創(chuàng)新型國家和金融創(chuàng)新發(fā)展的重要時期。推動科技和金融的結(jié)合,是我國在未來一段時間內(nèi)需要認真落實好的工作�？萍妓降倪M步與金融緊密相連,離不開金融的有力支撐。近年來,發(fā)展科技金融業(yè)務越來越成為商業(yè)銀行的重頭戲,科技支行、科技銀行、科技文創(chuàng)金融事業(yè)部等專門科技金融服務機構(gòu)的紛紛設(shè)立,有力地推動了金融和科技的有效結(jié)合。一方面,傳統(tǒng)商業(yè)銀行盈利模式單一,經(jīng)營理念落后,經(jīng)營相似化程度較高,面臨著急切的發(fā)展轉(zhuǎn)型需要。另一方面,長期以來,科技型中小企業(yè)在其發(fā)展過程中需要大量的資金投入,然而融資無路已經(jīng)成為制約其發(fā)展的一個主要絆腳石。傳統(tǒng)的商業(yè)銀行由于經(jīng)營管理模式、科技貸款信貸體制等方面的原因,對科技型中小企業(yè)缺乏扶持力度,加上科技型中小企業(yè)自身素質(zhì)不佳、直接融資渠道不暢通、融資"急、小、頻"等因素的影響,造成傳統(tǒng)商業(yè)銀行對科技型中小企業(yè)貸款沒有開放足夠的融資空間,以至于很多科研成果僅限于理論層面,轉(zhuǎn)化率低,進而導致科技型中小企業(yè)的發(fā)展舉步維艱。根據(jù)國內(nèi)外的研究成果和科技金融業(yè)務發(fā)展的先進經(jīng)驗,并結(jié)合我國的具體國情可以看出,金融和科技結(jié)合是我國銀行業(yè)發(fā)展轉(zhuǎn)型的重要方向。對于商業(yè)銀行來說,發(fā)展科技金融業(yè)務有利于拓寬銀行業(yè)盈利渠道,優(yōu)化收入結(jié)構(gòu);對科技型中小企業(yè)來說,為其提供了更為便捷的新型融資方式,尤其是初創(chuàng)期的科技型中小企業(yè),減輕了其迫切的資金需求壓力,緩解了其融資難的問題,對于促進科技成果有效轉(zhuǎn)化、科技與金融有效結(jié)合起到了積極的推動效果。發(fā)展科技金融業(yè)務已經(jīng)成為傳統(tǒng)商業(yè)銀行轉(zhuǎn)變經(jīng)營發(fā)展模式的主要手段。本文的研究思路是:一,在國內(nèi)外相關(guān)學者已有的研究基礎(chǔ)上,梳理相關(guān)文獻和理論研究成果;二,分析總結(jié)國內(nèi)外商業(yè)銀行科技金融業(yè)務發(fā)展現(xiàn)狀以及例如美國"硅谷銀行"等國外先進商業(yè)銀行科技金融業(yè)務發(fā)展的實踐及成功經(jīng)驗,分析我國商業(yè)銀行在發(fā)展科技金融業(yè)務上所做的探索,并以杭州銀行作為典型案例,尋求我國商業(yè)銀行科技金融業(yè)務發(fā)展創(chuàng)新的新思路;三,首先通過對我國商業(yè)銀行發(fā)展科技金融業(yè)務進行SWOT分析,其次分別從商業(yè)銀行科技金融需求方以及供給方的角度分析我國商業(yè)銀行科技金融業(yè)務發(fā)展存在的問題,即商業(yè)銀行和科技型中小企業(yè)兩個方面分析我國商業(yè)銀行科技金融業(yè)務發(fā)展存在的一些問題;四,通過構(gòu)建科技金融和科技創(chuàng)新立足于Bootstrap數(shù)據(jù)仿真方法的Granger因果檢驗模型來分析科技金融和科技創(chuàng)新的相關(guān)關(guān)系;五,得出本文的研究結(jié)論,提出我國商業(yè)銀行發(fā)展科技金融的一些建議和措施,以及對我國商業(yè)銀行科技金融業(yè)務的發(fā)展做出展望。本文以商業(yè)銀行為主體來分析科技金融業(yè)務的發(fā)展,根據(jù)國內(nèi)外商業(yè)銀行科技金融業(yè)務發(fā)展的現(xiàn)狀,借鑒美國"硅谷銀行"科技金融業(yè)務發(fā)展的成功經(jīng)驗及我國商業(yè)銀行對科技金融業(yè)務發(fā)展的探索和實踐,指出我國商業(yè)銀行科技金融業(yè)務發(fā)展存在的問題,研究科技金融與科技創(chuàng)新的相關(guān)關(guān)系并對我國商業(yè)銀行科技金融業(yè)務的發(fā)展提出相應的對策和建議。對于我國商業(yè)銀行探索具有中國特色的科技金融業(yè)務發(fā)展新思路具有一定的借鑒作用。
[Abstract]:The "13th Five-Year" period is an important period for the development of innovative country and financial innovation in China. To promote the combination of science and technology and finance, our country needs to be conscientiously implemented in the future. The progress of science and technology is closely connected with finance, and the strong support of finance is inseparable. In recent years, the development of science and technology and finance has become more and more important. On the one hand, the profit model of the traditional commercial banks is single, the management is backward, and the degree of operation similarity is high. On the other hand, for a long time, the small and medium sized enterprises in science and technology need a large amount of investment in their development. However, the lack of financing has become a major obstacle to its development. The traditional commercial banks, due to the management model, the credit system of scientific and technological loans and so on, are on the small and medium-sized enterprises of science and technology type. The lack of support, the poor quality of the small and medium sized enterprises, the unimpeded direct financing channels, the "urgent, small, frequency" and other factors have resulted in the lack of adequate financing space for the traditional commercial banks to loan technology for small and medium-sized enterprises, so that many research results are limited to the theoretical level, and the conversion rate is low, leading to science and technology. Based on the research results at home and abroad and the advanced experience in the development of science and technology financial business, combining with the specific national conditions of our country, it can be seen that the combination of Finance and science and technology is an important direction for the development and transformation of China's banking industry. For commercial banks, developing scientific and technological financial services is beneficial to broadening the profit of the banking industry. Channel, optimizing the income structure, providing a more convenient new financing way for the small and medium sized enterprises of science and technology, especially the primary and technological small and medium-sized enterprises in the initial period, alleviated the urgent demand pressure of capital demand, alleviated the problem of financing difficulties, and played an active role in the effective transformation of scientific and Technological Development and the effective combination of science and technology with finance. The development of science and technology finance business has become the main means of changing the mode of business development of traditional commercial banks. The research ideas of this paper are: first, on the basis of the existing research of relevant scholars at home and abroad, combing related literature and theoretical research achievements; two, analyzing and summarizing the present situation of the development of the domestic and foreign commercial banks' scientific and technical financial business. And, for example, the development practice and successful experience of foreign advanced commercial banks, such as the "Silicon Valley bank" in the United States, analyze the exploration of China's commercial banks in the development of science and technology and finance, and take the Bank of Hangzhou as a typical case to seek new ideas for the development and innovation of our commercial banks' scientific and technological financial integration; three, first through the The commercial banks of our country develop the SWOT analysis of science and technology finance business, and then analyze the problems of the development of the scientific and technical financial business of our commercial banks from the point of view of the demand side and the supplier of commercial banks, that is, the two aspects of the commercial banks and the small and medium sized enterprises of science and technology to analyze the development of the scientific and technical financial business of our commercial banks. The four is to analyze the relationship between science and technology finance and scientific and technological innovation through the construction of Granger causality test model based on Bootstrap data simulation method based on scientific and technological innovation and scientific and technological innovation. Five, the conclusions of this paper are drawn up, and some suggestions and measures for China's commercial bank development science and technology and finance are put forward, as well as the business of our country. In this paper, the development of science and technology financial business is analyzed. This paper analyzes the development of science and technology financial business based on commercial banks, according to the current situation of the development of scientific and technical financial business of commercial banks both at home and abroad, and draws lessons from the successful experience of the development of scientific and technical financial business of the "Silicon Valley bank" in the United States and the exploration and exploration of the development of science and technology and finance by commercial banks of our country. In practice, this paper points out the problems existing in the development of science and technology and finance business in China's commercial banks, studies the relationship between science and technology finance and scientific and technological innovation, and puts forward corresponding countermeasures and suggestions for the development of our commercial banks' scientific and technical financial business. The use of reference.
【學位授予單位】：安徽大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.2

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